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Experts expect huge increases in health insurance contributions
The statutory health insurance companies plan to drastically increase their contributions. According to some experts, the additional contribution of an average earning worker could double next year.
Spending rises faster than revenue
Statutory health insurance in Germany is becoming increasingly expensive. Just recently, the head of the National Association of Statutory Health Insurance Funds, Doris Pfeiffer, said in a message: "We have the reality that there will continue to be additional contributions in the coming years." The increase in contributions is due among other things to medical and hospital reforms, Pfeiffer said that the funds would also receive too little money for Hartz IV recipients. "Expenditures continue to grow much faster than revenues," said the head of the association.
Additional contributions could be higher than expected
It has long been known that the statutory health insurance companies will increase the contributions. According to experts, the additional contributions to statutory health insurance (GKV) could in future be much higher than previously expected. According to "Spiegel online" reports, the average additional contribution could increase from 1.1 percent to 2.4 percent in 2020 according to a calculation by the health economist Jürgen Wasem from the University of Duisburg-Essen. This would be significantly more than the statutory health insurers themselves expect.
Model with additional contributions classified as nonsensical
So far, the statutory health insurance has expected the additional contribution to increase to an average of 1.8 percent by 2019. Since a decision by the grand coalition between the Union and the SPD, the statutory cash contribution has been 14.6 percent of gross monthly income, of which half is paid by employer and employee. The variable additional contribution, which is set individually by the respective cash register, must be borne by the members alone.
In the case of additional expenditure, usually only the additional contributions and thus the burdens on the employees increase. Even some health insurance companies criticize this model. The DAK boss had classified the additional contribution as nonsensical. This leads to senseless price competition and a creeping "withdrawal of employers from financial responsibility".
Reforms have increased costs
Regardless of the allocations from the health fund, statutory health insurers have been spending faster than income for years. The head of the National Association of Statutory Health Insurance Funds, Doris Pfeiffer, said according to the magazine: "The reforms of recent years have not dealt with savings, but increased costs."
Recently, plans have been reported by the black and red federal government, according to which the statutory health fund funds should receive an additional billion in the election year.
Additional contribution of over 50 euros
According to Wasem's calculations, an average earner pays an additional 21.76 euros per month on average with a compulsory income of 1,960 euros. The contribution could more than double by 2020. With an average income of € 2,261, an additional contribution of € 54.74 could then be due.
Experts for a fairer distribution of costs
The Left Party warned that the additional contributions for health insurers could explode within the next few years. "The Federal Government is driving public health care against the wall," criticized party chairman Bernd Riexinger. In a message it says: "The additional contributions of the health insurance companies, which until now have been shouldered solely by the insured, have to be financed in equal parts by the employer." Riexinger once again campaigned for the citizens' insurance, into which everyone should pay.
The German Social Association (SoVD) also demanded a fair distribution of costs. “Legislators must intervene to curb the increase in additional premiums for insured people that is forecast today, if necessary. The current figures again show the urgent need for action. If employers are not soon obliged to manage the cost explosion together with the insured, this will result in a profound lack of justice, ”said association president Adolf Bauer. (ad)