The leading Association of the Statutory health insurance (GKV-spitzenverband) is ringing alarm bells: First funds are due to the Corona-crisis in financial problems. In the worst case, failures are threatening, such as the “Handelsblatt”, citing a position paper reported.
The warning falls dramatically: “Without legal measures, the financing system of the health insurance controls, at the latest, to the year 2020/21 to a existence-threatening liquidity squeeze”, it says in the paper. The liquidity reserve of the health Fund of tens of billions of euros will be depleted in the next few months “due to the foreseeable reduction in revenues, and predetermined payment obligations”, warns the Association of the Federal government.
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Either the Federal billion – or the contributor need to bleed
The Shi sees only two solutions to get financial problems: Either to support Minister of health, Jens Spahn (CDU) the coffers with Billions – or the contributor need to bleed.
it is a question of considerable amounts: prior to the Corona-crisis had estimated the cash for your additional financial needs up to 2022 is available 40 billion euros. The pandemic is driving the extra need for more in trade.
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So the Extra could account for Fund-insured
be Currently the health insurance of their members to collect the General health insurance contribution of 14.6 percent of gross income. For this purpose, the so-called additional contribution is yet to come. Sets the height of each Fund, for themselves, on average, it is 1.1 per cent. This extra amount workers and employers share. The funds had asked for 1.3 percent, Minister of Spahn kicked but on the cost brake. We are paying the price with rising cash deficits.
significantly lower revenues of up to ten million employees in short-time work are Added currently.
Shi-experts fear, according to the report, that the addition could rise contribution in the coming year, up to 2.2 percent – that would be a doubling. Content check: The gross-to-net calculator 2020, much net is left for them by the gross
example:
assumptions: , A statutory health insured employee’s monthly salary 4000 euros gross. Add to that the additional contribution of 1.1 percent. Both contributions are shared between employee and employer each contribute half. The monthly bill of the employee:
Currently: gross income of 4000 € less. Of 7.3 % (= half the contribution rate of 14.6 %) plus the additional contribution of 0.55 % (half the rate of 1.1 %) = 314,00 Euro monthly health insurance cost
In a doubled-additional contribution : the gross income of 4000 € less. Of 7.3 % (= half the contribution rate of 14.6 %) plus the additional contribution of 1.1 % (half the rate of 2.2 %) = 336,00 € monthly health insurance cost
The employees would have to apply monthly 22 Euro higher costs for his health insurance – per year, a whopping 264 Euro.
When a health insurance insured person with a monthly gross income of 5000 euros, the monthly cash contribution from the current level of 356,19 staircase to 381,15 Euro so 24,96 euros. Each year, the almost 300 Euro .
The money for consumption expenditure in the urgent restarting of the economy.
health insurance n penetrate to higher Federal grant: “Spahn must not hide”
The statutory health insurance funds to penetrate, however, grant a higher Federal. To fall was to be spoken with the Federal Minister Olaf Scholz (SPD), a higher Federal share of funding, said the Head of the Shi head Association, Doris Pfeiffer, on Tuesday in Berlin. It consisted in a telephone conference with the Federal Minister of health, Jens Spahn (CDU) on Monday in Unity.
Pfeifer stressed that the early action, but also the solid financial situation of the statutory health insurance would have ensured that Germany had been comparatively well through the crisis. Because of the additional Corona-spending and increasing economic problems Contribution to declines in the financial stability of the statutory health insurance back now, however, “in the view”.
in addition to securing the liquidity of health insurance companies and health funds, the health insurance funds therefore calls for a “financial compensation of the pandemic-related net additional expenditures of the health insurance companies” and regulations in order to avoid a massive increase of the additional contributions in the years 2020 and 2021.
The German trade Union Federation (DGB) has appealed to Spahn, a protective screen for the health insurance span. In the pandemic period, the funds would have to co-Finance currently, the General security, which was actually the responsibility of the state, said DGB Board member Anja Piel. They demanded to increase the Federal subsidy for the statutory health insurance funds, without linking this with the repayment obligations.
“Spahn must not hide”, the health insurance funds need now grant approval for a higher Federal, said the Green-health politician Maria Klein-Schmeink. “Otherwise, drastic increases of the additional contributions threaten”, she warned.
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