The additional contribution of statutory health insurance funds is rising again in 2025. The average additional contribution is now at 2.5% - higher than ever before. What this means for insured persons and how you can save money, you will find out here.
Development of the Additional Contribution
The additional contribution has risen continuously in recent years:
| Year | Average Additional Contribution |
|---|---|
| 2020 | 1.10% |
| 2021 | 1.30% |
| 2022 | 1.30% |
| 2023 | 1.60% |
| 2024 | 1.70% |
| 2025 | 2.50% |
Caution: Significant Increase in 2025
The average additional contribution increases by 0.8 percentage points in 2025. With a gross income of 4,000 euros, this means additional costs of over 190 euros per year!
Why is the Additional Contribution Rising?
The reasons for the contribution increase are diverse:
- Rising healthcare costs: Medications, treatments, and personnel are becoming more expensive
- Demographic change: More elderly people require more healthcare services
- Inflation: General price increases also affect the healthcare system
- New treatment methods: Innovative therapies are often expensive
- Expired federal subsidies: Temporary government aid is ending
Which Health Insurance Funds Are Increasing in 2025?
Most health insurance funds adjust their contributions at the turn of the year. Some examples:
Contribution Adjustments 2025
Many major health insurance funds such as Techniker, BARMER, DAK, and AOKs have raised their additional contributions as of January 1, 2025. Check the current contribution of your fund in our comparison calculator.
Your Special Right of Cancellation in Case of Contribution Increase
If your health insurance fund increases the contribution, you have a special right of cancellation. This means:
- You can switch regardless of the 12-month binding period
- The notice period is 2 months to the time of the increase
- Your health insurance fund must inform you about the special right of cancellation
Important Note
The special right of cancellation also applies if you have only recently joined your fund. Take advantage of the opportunity and switch to a more affordable alternative!
How Much You Can Save
The difference between health insurance funds is enormous. While the cheapest funds only charge 0.70% additional contribution, others charge over 2.5%. With different incomes, the following savings potentials result:
| Gross Income | Monthly Savings | Annual Savings |
|---|---|---|
| 3,000 euros | up to 27 euros | up to 324 euros |
| 4,000 euros | up to 36 euros | up to 432 euros |
| 5,175 euros (income limit) | up to 47 euros | up to 564 euros |
Conclusion: Check Your Health Insurance Now
The contribution increases in 2025 make a health insurance comparison more important than ever. Check:
- Has your health insurance fund increased the contribution?
- Are you using your special right of cancellation?
- What more affordable alternatives exist?
With our free comparison calculator, you can find the best health insurance fund for your situation in just a few minutes.
Compare Health Insurance Now
Calculate your savings potential and switch in just 3 minutes - free and digital!