Millions of people with statutory health insurance will have to pay more in 2023. Because more than every second cash register increases the additional contribution at the turn of the year. More than 50 of the 97 health insurance companies have announced increases in contributions, according to the National Association of Statutory Health Insurance Funds, more than 85 percent of health insurance fund members are affected.
According to the Kassenverband, the additional contribution increases on average by 0.2 percentage points to 1.5 percent. In individual cases, however, the increases are different, as an evaluation by Check24 shows. Accordingly, 59 funds require between 0.1 and 0.7 percentage points more contribution (see table at the end of the article). Three health insurance companies, on the other hand, even reduce the additional contribution. 23 funds are keeping the contribution constant and a dozen funds have not yet commented on a possible increase (as of December 27).
In addition to the additional contribution, all insured persons pay the uniform general contribution rate of 14.6 percent. Both the general contribution rate and the additional contribution are borne equally by the employer and the employee. The self-employed pay the full contribution on their own.
The increases in additional contributions cost employees with income above the contribution assessment limit up to an additional 347 euros per year, Check24 has calculated. Self-employed people who also have to shoulder the employer’s share pay up to twice as much. However, this is the extreme case, with lower increases and/or lower income it is correspondingly less.
What is new is that consumers must actively inform themselves in order to find out about the premium increase. Because until the end of June 2023, health insurance companies will not have to inform their members by letter about increases in contributions as usual. This allows a law to save postage costs. The funds only have to announce the increase on their website or in their member magazine. As soon as that happens, you can quickly find the increase on various comparison sites.
If the health insurance increases the additional contribution, insured persons have a special right of termination. This applies until the end of the month in which the increase takes effect and includes a period of two months. If you have to pay a higher additional contribution on January 1, 2023, you can cancel until the end of January and insure yourself with the new health insurance company from April (in the meantime you have to pay the higher contribution).
In principle, you can also cancel at any time, regardless of the special right of termination, provided you have been with the old health insurance company for at least 12 months. A period of two months to the end of the month also applies to this regular change of insurer.
Termination and change of health insurance work like this: You choose a new health insurance company and fill out a membership application. This is usually done online via the website. The new desired health insurance company then takes over the cancellation of the old one, you don’t have to cancel it yourself. It is advisable not to wait until the last day of the month to approach the new cash register with a change request, so that the change can be made on time. If you want to change because of a contribution increase, you should write that so that the new health insurance company meets the deadline for the special right of termination.
However, the contribution should not be the only criterion when choosing the fund. If you regularly use certain additional services, you are in good hands with a health insurance company that takes care of them. The service or bonus programs also play a role for many insured persons.
AOK Northeast
1.70%
1.90%
BKK Karl Mayer
1.50%
1.90%
AOK Northwest
1.70%
1.89%
BKK Werra-Meissner
1.50%
1.80%
AOK Rhineland/Hamburg
1,60%
1.80%
AOK Rhineland-Palatinate/Saarland
1.30%
1.80%
BKK BPW Bergische Axles KG
1,60%
1.80%
BKK VBU
1,60%
1.80%
BKK24
1.49%
1.79%
IKK Brandenburg and Berlin
1.49%
1.77%
BKK B. Braun Aesculap
1.50%
1.75%
BAHN-BKK
1.20%
1.70%
DAK health
1.50%
1.70%
pronova BKK
1.50%
1.70%
BKK economy
1.39%
1.69%
IKK Südwest
1.50%
1.65%
AOK Baden-Württemberg
1.30%
1,60%
AOK Hesse
1.50%
1,60%
BERGISCHE health insurance
1.40%
1,60%
BKK Deutsche Bank
1.30%
1,60%
BKK Diaconia
1.40%
1,60%
BKK Salzgitter
1.20%
1,60%
IKK – The Innovation Fund
1.30%
1,60%
IKK classic
1.30%
1,60%
Securvita health insurance
1.50%
1,60%
energy company health insurance
1.38%
1.59%
Salus BKK
1.45%
1.59%
AOK Bavaria
1.30%
1.58%
mhplus BKK
1.28%
1.58%
BKK Akzo Nobel Bavaria
1.30%
1.55%
BKK Palatinate
1.40%
1.55%
AOK Lower Saxony
1.30%
1.50%
AOK PLUS
1.20%
1.50%
BKK Freudenberg
1.30%
1.50%
BKK MAHLE
1.10%
1.50%
BKK Public
1.30%
1.50%
BOSCH BKK
1.20%
1.50%
Siemens company health insurance fund (SBK)
1.30%
1.50%
TUI BKK
1.35%
1.50%
BKK ProVita
1.30%
1.49%
Mobile health insurance
1.29%
1.49%
BIG directly healthy
1.30%
1.45%
Bertelsmann BKK
1.00%
1.40%
BKK Melitta HMR
1.20%
1.40%
BKK Miele
1.30%
1.40%
BKK Scheufelen
1.10%
1.40%
Continental company health insurance
1.25%
1.40%
R V company health insurance
1.20%
1.40%
vivida bkk
1.30%
1.40%
BKK Faber-Castell
0.65%
1.35%
BKK VerbundPlus
1.10%
1.35%
Home health insurance
1.10%
1.30%
BKK_DürkoppAdler
0.88%
1.29%
Audi BKK
1.10%
1.25%
AOK Saxony-Anhalt
0.80%
1.00%
Handelskrankenkasse (hkk)
0.69%
0.98%
BKK firm
0.84%
0.90%
Krone’s BKK
0.70%
0.90%
BKK PFAFF
0,40%
0.80%
AOK Bremen/Bremerhaven
1,60%
1,60%
BKK PERSON
1,60%
1,60%
MINCER
1,60%
1,60%
VIACTIV Health Insurance
1,60%
1,60%
WMF BKK
1,60%
1,60%
News of BKK
1.54%
1.54%
BARMER
1.50%
1.50%
Commercial health insurance – KKH
1.50%
1.50%
Company health insurance company PricewaterhouseCoopers
1.48%
1.48%
BKK ZF
1.45%
1.45%
Koenig
1.44%
1.44%
Merck BKK
1.40%
1.40%
HEK-Hanseatic Health Insurance
1.30%
1.30%
Mercedes BKK
1.30%
1.30%
Technician Health Insurance (TK)
1.20%
1.20%
IKK healthy plus
1.10%
1.10%
Südzucker BKK
1.10%
1.10%
BKK Schwarzwald-Baar-Heuberg
0.98%
0.98%
BKK EWE
0.90%
0.90%
BKK GILDEMEISTER SEIDENSTICKER
0.90%
0.90%
BKK textile group Hof
0.90%
0.90%
BKK EUREGIO
0.84%
0.84%
BMW BKK
0,30%
0,30%
SKD BKK
1.29%
1.15%
BKK Hercules
1.40%
1.09%
BKK Groz-Beckert
0.90%
0,40%
BKK Rieker.RICOSTA.Weisser
2.20%
still open
BKK Technoform
1.50%
still open
pronova BKK
1.50%
still open
Debeka BKK
1.49%
still open
Salus BKK
1.45%
still open
BKK Linde
1.30%
still open
BKK exclusive
1.29%
still open
Ernst
1.29%
still open
BKK EVM
1.00%
still open
BKK Würth
0.90%
still open
BKK Voralb HELLER * INDEX * LEUZE
0.50%
still open
Social Insurance for Agriculture, Forestry and Horticulture (SVLFG)
0.00%
still open
Those: Check24; Booth 27.12.2022
