Analysis: 31 of 72 Health Insurers Increase Additional Contribution - Analysis: 31 of 72 Health Insurers Increase Additional Contribution
Health insurance costs in Germany are set to rise in 2026, as many statutory funds adjust their premiums. A new analysis reveals that 31 out of 72 insurers will increase additional contributions, leaving policyholders and employers facing higher expenses. The changes come amid growing pressure from rising healthcare costs across the country.
While some funds will keep rates steady, the overall trend points to more expensive coverage for millions of people.
The average additional premium will climb by 0.5 percentage points next year. The steepest rise reaches 1.1 percentage points, depending on the insurer. Among the funds raising rates are IKK classic, ZF BKK, mkk, KKH, and DAK, though many others remain unnamed in the latest findings.
For those affected, switching providers could bring significant savings. Employees on an average salary—and their employers—could each cut costs by €614.47 annually by moving to the cheapest insurer. Higher earners above the social security threshold stand to save even more, with potential annual reductions of €770.74. The self-employed would benefit the most, with possible savings of up to €1,541.48 per year.
Not all insurers are raising rates, however. Out of 72 funds, 36 will maintain their current additional premiums, while one will lower its contribution. Four others have yet to announce their plans for 2026. For nationwide open insurers, the additional premiums now range from 2.18% to 4.39%.
The latest adjustments mean higher costs for many insured individuals and businesses. With 31 funds increasing premiums, the financial impact will vary depending on income level and provider choice. Those looking to reduce expenses may find switching insurers a practical solution in the coming year.
