Is there a risk of a premium shock from the statutory health insurances? One thing is clear: The amounts that insured persons have to pay have not only increased since Corona.
More than a quarter of those with statutory health insurance will have to pay higher contributions in 2022.
► According to the “list of health insurance companies” of the National Association of Statutory Health Insurance Funds (GKV), 19 out of 97 health insurance companies increased the additional contribution as of January 1st. This included nine of the eleven general local health insurance funds (AOK). Almost 21 million people are insured with these nine alone (AOK in total: around 27 million).
In the case of statutory health insurances, the contribution is made up of the general contribution rate of 14.6 percent of gross income and an additional contribution. Each fund can determine this itself; both parts of the contribution are paid half by the employer and half by the employee.
According to the GKV list, only nine smaller company health insurance funds reduced the contribution at the turn of the year. The most expensive of all statutory health insurances is now the nationwide BKK24 with a rate of 17.1 percent, the cheapest is the BMW BKK with 14.9 percent.
Breaking: Industry representatives fear that significant premium increases across the board could be necessary in the coming year. “If politicians do not actively counteract this, there will be a contribution tsunami in 2023,” said the CEO of DAK-Gesundheit, Andreas Storm, of “Welt am Sonntag” (WamS).
Financial perspective has “darkened”
“We now urgently need a relentless cash drop for the finances of the statutory health and long-term care insurance until the year 2025”, Storm continues. “Federal Finance Minister Christian Lindner has to answer the question of how the GKV financing will continue with the budget that he presented at the beginning of March.” Only then will it be possible to prevent a sharp rise in contribution rates in the coming years.
► The financial perspective of the statutory health insurance has “recently darkened”, said the new chairwoman of the AOK Federal Association, Carola Reimann.
Looming billion holes in the years 2021 and 2022 could only have been filled by special government grants and the use of cash reserves.
Important for all legally insured persons: If the additional contribution is increased, the insured have a special right of termination.
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