Health insurance increase 2025: Pensioners will soon have to dig deeper into their pockets!

Health insurance increase 2025: Pensioners will soon have to dig deeper into their pockets!

From January 2025, many statutory health insurers, especially pensioners, face higher costs. As the Merkur reports a large number of health insurance companies the drastic increase in their additional contributions. While working people have to increase their contributions more numerous directly from January, pensioners will initially be spared this additional burden, since the increase for them will only be effective on March 1st. This was determined in advance and applies to both the increase and the reduction in contributions.

The increases vary greatly and can have significant consequences for the monthly expenditure of pensioners. For example, the Techniker Krankenkasse is planning an increase from 1.2 percent to 2.45 percent. Pensioners pay half of the contributions to their health insurance company, although the German pension insurance also contributes a share. From March, pensioners must adjust to higher taxes that could be important depending on the health insurance company. In conjunction with the cancellations, increases in the care contribution by 0.2 percent must ensure that these increases have an impact on their pension, which will only be increased by 3.6 percent from July 2025 instead of by originally planned 3.5 percent.

health and long-term care insurance in retirement age

The possibilities of health insurance for pensioners are clearly regulated. According to the German pension insurance , pensioners are generally compulsory in statutory health insurance, unless you choose private health insurance. The contribution rates for health and long-term care insurance depend on the type of insurance and income, whereby childless people have to pay an increased care contribution. In addition, both compulsory insured and privately insured persons receive a contribution subsidy from the German pension insurance, which can alleviate the financial burden.