Germany implements health insurance reforms to stabilize GKV finances

Germany is implementing significant reforms to its statutory health insurance (GKV) system through the ‘GKV-Beitragssatzstabilisierungsgesetz’. The legislation aims to stabilize finances and curb rising supplementary contributions, but will result in increased costs for many insured individuals.

Key changes include the elimination of coverage for homeopathic and anthroposophic medicines by January 1, 2027. Co-payments for medicines and medical aids will rise starting in 2027, with new minimum and maximum limits. Additionally, subsidies for dental prosthetics are expected to be reduced.

High earners will face higher social security contributions as assessment ceilings are raised. For health insurance, the monthly income threshold is set to increase from 5,812.50 euros to 6,375 euros. Starting in 2028, the previously contribution-free family insurance for many spouses and registered partners will be restricted, potentially requiring additional payments.

Political leaders, including Chancellor Friedrich Merz, have noted that the coexistence of private and statutory insurance systems creates issues regarding public perception of fairness. The new Health Minister, Carsten Linnemann, is tasked with overseeing these structural changes and further reforms.