Rising Health Insurance Contributions in 2025

In 2025, numerous statutory health insurance companies in Germany are significantly increasing their additional contributions. The Techniker Krankenkasse is notably doubling its surcharge to 2.45%. The Knappschaft stands out with the highest hike, reaching 4.4%, while BKK Firmus remains the most affordable option at 0.9% for 2024. This surge affects around 44 million members, with many companies adjusting their rates by 0.4 to 1.9 percentage points. Despite the increases, some insurers, like Pronova BKK and Bahn-BKK, are keeping their rates steady.

The financial strain on these insurance companies is evident, prompting calls for governmental intervention. Insured individuals have a special termination right if their costs rise, allowing them to seek more economical options. For citizens receiving income support and trainees, average additional contributions are particularly relevant. The financial landscape for health insurers is challenging, and members face higher costs unless they consider switching to more affordable options. The Bundesgesundheitsministerium has set a target increase of 0.8 percentage points, yet the contribution rates continue to vary widely across different insurers.