Information on your new health insurance contribution 2025
We want you to always feel well informed. That's why we've put together the most important questions and answers about the contribution rate.
The health insurance contribution consists of two components.
The general contribution rate, which is set by law, and the individual supplementary contribution of each health insurance fund, which is based on the average supplementary contribution in statutory health insurance (GKV).
The general contribution rate in 2025 is 14.6%, the average additional contribution is 2.5%. The SBK's individual supplementary contribution rate will be 2.9% from 01.01.2025.
The contributions are calculated as a percentage of income. Employees pay only half of both the general contribution rate and the supplementary contribution. The other half is paid by the employer. For pensioners, half is paid by the pension insurance provider.
Due to demographic trends and rising expenditure in the healthcare system as a whole, health insurance fund expenditure will also increase in 2025. According to current estimates by the estimation circle, the income of the statutory health insurance funds will increase by an estimated €13.6 billion compared to the previous year. The increase in expenditure to be borne by the health insurance funds is estimated to be much higher at €21 billion.
As a result, the gap between income and expenditure for the statutory health insurance funds is estimated to widen by a further €8.1 billion in 2025. This additional shortfall will require an adjustment to the supplementary contribution.
We are campaigning for reforms to make funding stable and sustainable for all of us again. For example, we are calling for political measures to secure the financial basis of statutory health insurance. For example, through cross-sectoral care and digitalization.
We are also campaigning for quality and quality transparency in the healthcare system. We demand high-quality and targeted care that is actively supported by us insurers. We want transparency about the quality of all players.
We will adjust our supplementary contribution to 2.9% on 01.01.2025. For pensioners, the supplementary contribution will not be adjusted until 01.03.2025, when the pension insurance providers will make the change to the system.
The amount of the additional costs depends on your income, as this is the basis for calculating the contribution. You can find the change in your next payslip / pension statement / contribution notice.
Here is an example calculation:
For employees, the new monthly employee contribution for gross earnings of €1,000 is €6 more.* For gross earnings of €3,000, the monthly employee contribution is €18 more. This also applies to pensioners from 01.03.2025.
* max. up to the KV contribution assessment ceiling of € 5,512.50 in 2025
Especially in these often uncertain times, it is all the more important that you have a reliable partner at your side for your insurance cover. With us, you have that.
You will continue to be the focus and personal advice and our relationship with you will remain our top priority. Our level of service will remain as high as ever, and new services will be added. You can rely on that.
Statutory health insurance is based on the principle of solidarity. You therefore pay a contribution that is calculated according to your income. This will now be adjusted accordingly due to the new supplementary contribution.
If your income falls, e.g. in retirement or due to part-time work, you will benefit from a correspondingly reduced contribution. The principle also allows you to waive contributions. For example, while you are receiving sickness benefit and especially during parental leave if you are married and entitled to free family insurance.
With private insurance, you pay your premiums without interruption and a risk assessment is required before the contract is concluded. This means that you pay risk surcharges in the event of illness.
You can only return to statutory health insurance if your income is below the current annual income threshold and you are under 55 years of age. This means that the decision to take out private insurance is often a decision for life, especially for employees.
You can download a good overview of statutory health insurance and private insurance in comparison
here.
