Germany health insurance reform raises contributions for families, retirees

The German federal government has passed the GKV‑Beitragsstabilisierungsgesetz (BStabG), which will take effect on 30 July 2026. The law aims to cut statutory health‑insurance spending by €19 billion by 2030. From 2028, families with childless spouses will face a 2.5‑percentage‑point surcharge on contributions, while the free co‑insurance for spouses is limited. Co‑payments for prescription medicines will rise to between €7.50 and €15 per item starting January 2027. The reform also eliminates reimbursement for homeopathic treatments and reduces the fixed subsidy for dental prostheses. Retirees will see higher medication costs, although the income‑based burden cap of 2 % of gross earnings remains. Health‑care providers anticipate more complex billing and payroll adjustments.