Statutory insurance: the additional health insurance contribution will increase in 2020

In the coming year, the average additional contribution rate in the statutory health insurance (GKV) will be increased by 0.2 percent. (Image: DOC RABE Media / fotolia.com)

The average additional health insurance contribution will increase slightly in 2020

Many people with statutory health insurance will have to pay more for their health insurance from next year. Because according to the Federal Ministry of Health, the average additional contribution rate in the statutory health insurance (GKV) will be increased slightly for 2020.

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According to a communication from the Federal Ministry of Health (BMG), the average additional contribution rate in statutory health insurance will be increased by 0.2 percent to 1.1 percent for 2020. According to the ministry, deliberate improvements in care, medical advances and increased demand for medical care in an aging society mean that spending outpaces revenue. Against the background of a weakening economic situation, it is therefore advisable to increase the average contribution rate in order to finance the expected expenditure.

In the coming year, the average additional contribution rate in the statutory health insurance (GKV) will be increased by 0.2 percent. (Image: DOC RABE Media / fotolia.com)

Financial reserves have risen to more than 20 billion euros

As the BMG explains, the average additional contribution rate is a statistical benchmark for budget planning and individual contribution rate decisions of the health insurance funds, which are due in the coming weeks and which must be approved by the responsible supervisory authorities. How high the individual additional contribution rate of a health insurance company actually is for its members is determined by the respective insurance company itself.

Despite the increase in the average additional contribution, reductions are possible from next year for health insurances with excessively high financial reserves. According to the information, the financial reserves of the coffers have risen to over 20 billion euros in recent years. More than half of the health insurances currently have more than a monthly expenditure on operating resources and reserves. As long as they exceed this quota, they are not allowed to increase their additional contributions. According to the BMG, some funds whose financial reserves go well beyond the limit of a monthly expenditure will have to gradually reduce them from 2020 within the next three years.

As stated in the announcement, the average additional contribution rate is calculated after evaluating the prognoses of the group of appraisers for the development of the income and expenditure of the statutory health insurance. This results from the difference between the health fund's revenue of 240.2 billion euros, which the appraisers mutually forecast, and the expenditures of around 256.8 billion euros expected by the Federal Insurance Office and Federal Ministry of Health in the coming year.

Don't rush to switch

If you switch from an expensive health insurance to a cheaper one, you can often save a lot. But if you are satisfied with your fund, you shouldn't just look at the contribution. Because often savings can be made if the health insurance company takes on the extra services required - for example for a medically prescribed osteopathy or a subsidy for professional teeth cleaning. (ad)

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