Germany’s statutory health insurance system faces potential contribution increases if reforms aren’t implemented, according to Oliver Blatt, head of the National Association of Statutory Health Insurance Funds. He warned that without changes, the additional contribution – already averaging 2.9 percent in 2025 – could surpass three percent at the beginning of 2026. These additional contributions are independently determined by individual health insurance funds.
While the general contribution rate currently sits at 14.6 percent, shared equally between employers and employees, Blatt emphasized the need to control rising costs and improve quality to maintain the system’s competitiveness. He stated that continued increases could negatively impact economic performance.
Blatt refuted claims of concealed benefit reductions through measures like co-payments or prolonged approval processes, affirming there is no such strategy being pursued. He also voiced opposition to linking contributions to lifestyle factors, arguing against penalizing certain activities while acknowledging the cost variations of different healthcare needs. Specifically, he noted the financial implications of frequent procedures like meniscus surgeries compared to less common incidents, suggesting a preference for solidarity and positive incentives over punitive measures.
Furthermore, Blatt dismissed proposals for contribution refunds based on a lack of doctor visits within a quarter, citing a conflict with the principle of solidarity and potential disadvantage to chronically ill individuals requiring frequent medical attention. He also indicated significant financial pressure within the nursing care insurance system, forecasting a deficit of 1.1 billion euros in 2026 despite a federal loan providing a boost of around 500 million euros in 2025. He concluded by stating the situation is serious, but the system remains stable.