Statutory health insurance: Even retirees beckons favorable contribution
Faster appointments with the specialist, better doctor’s fees for cash-desk patients and the creation of 8,000 new foster homes – Many tasks await Minister of Health Jens Spahn during this legislative period. With some innovations he wants to start already until the summer break 2018.
One of Spahn’s immediate measures is the return to the joint financing of health insurance contributions, from which employees as well as pensioners should benefit. In addition, changes in care such as better pay for carers are high on his list. But while many citizens are relieved of contributions to the statutory health insurance , higher costs for long-term care insurance could eat up this savings again.
Update June 06, 2018: The corresponding bill on equal financing was approved today by the Federal Cabinet. If there is no resistance in the Bundestag against the planned adjustment, the health insurance contribution from January 1, 2018 will again be fully taken over by the employer.
Better pay for nurses: Rising costs of long-term care insurance
With the planned changes of the GroKo threatens the contribution for the statutory long-term care insurance in the next few years. Currently, childless people pay 2.8 percent of their income for the Nursing Home, while parents pay 2.55 percent.
Although the last Minister of Health Hermann Gröhe (CDU) had announced to keep this contribution rate stable until 2022. However, the planned better pay of nursing staff could increase the care contribution . Because the introduction of a nationwide binding collective agreement for the care causes high costs. Part of this must “certainly be financed by a higher contribution rate”, explains the board of the GKV umbrella association, Gernot Kiefer, to the editorial network Germany.
Statutory health insurance: contribution should also decrease for pensioners
As a further immediate measure, the new Minister of Health intends to launch a law by summer, with which the contribution to the statutory health insurance from 2019 will again be financed on an equal basis. Employers and employees each take half of the costs for the health insurance.
This should apparently benefit pensioners, reports the current picture. Thus, the federal government plans that the pension insurance paid not only as previously half of the cash contribution for seniors, but also half of the additional contribution. Just like employees, retirees currently carry the complete additional contribution to the health insurance itself. The new regulation ensures, according to Minister of Health Spahn at statutory insured for a financial relief in the millions .
Will the contributions to the statutory health insurance remain stable in 2019?
Already at the beginning of the year 2018, many health insurances kept their contribution rate stable. This development could continue in 2019. “If the economy continues to perform as well as currently projected, it can be expected that this year’s contributions will remain stable on average . And in view of the expected general conditions, I am optimistic that this will continue in 2019, “emphasizes Doris Pfeiffer, CEO of the GKV-Spitzenverbands. Opposite the Frankfurter Rundschau.
Despite largely stable contributions , the costs of health protection between the health insurance companies differ in some cases severely. While some funds charge no or only a small additional contribution, others charge up to 1.7 percent extra. The currently cheapest health insurance companies with a contribution rate of less than 15.2 percent include:
- Metzinger BKK (14.6 percent, opened in Baden-Württemberg, Thuringia)
- AOK Saxony Anhalt (14.9 percent)
- BKK Pfaff (15.0 percent, Rhineland-Palatinate)
- BKK Akzo Nobel (15.1 percent, Bavaria)
- BKK Euregio (15.18 percent, Hamburg, North Rhine-Westphalia)
- hkk (15.19 percent)
Tip: With a change to a cheaper health insurance, you can sometimes save several hundred euros a year. However, you should also take a look at the benefits. The cash register with the best mix of price and services can be found with a non-binding comparison.