Health Insurance 2025: Rates Rising Sharply - How to Save Anyway
82 out of 94 health insurers are increasing their rates as of January 1, 2025. Average increase: €144 per year! Learn how you can save despite increases and which insurers remain affordable.
Key Facts at a Glance:
- 📊 Additional contribution rises from 1.7% to average 2.5%
- 💸 With €3,000 gross salary: ~€12 less net per month
- 🔄 Use special termination right for rate increases!
- ⏰ Switching possible anytime with 2 months notice
2025 will be more expensive for statutory health insurance members:The average additional contribution to statutory health insurance (GKV) is rising from 1.7% to 2.5% - an increase of 0.8 percentage points. 82 of the 94 statutory health insurers have raised their rates at the turn of the year. But there's good news: Those who compare and switch now can save several hundred euros per year.
📊New Contribution Rates 2025: The Concrete Numbers
📈 General Contribution Rate
- 14.6% - remains unchanged
- 7.3% - employee share
- 7.3% - employer share
⚠️ Additional Contribution (new!)
- 2.5% - Average 2025 (previously 1.7%)
- Actual: approx. 2.91% on average
- +0.8% - The increase
💡 New Contribution Assessment Limits 2025
Contribution Assessment Limit:
- • €66,150 per year (previously: €62,100)
- • €5,512.50 per month
- • Contributions calculated up to this amount
Mandatory Insurance Threshold:
- • €73,800 per year (previously: €69,300)
- • €6,150 per month
- • Private insurance possible above this
💸What This Means for Your Wallet
Sample Calculations for Different Salaries:
€2,000 Gross Salary
Average additional contribution
-€8
per month net
€3,000 Gross Salary
Average additional contribution
-€12
per month net
€4,000 Gross Salary
Average additional contribution
-€16
per month net
📉 Annual Additional Costs at €3,000 Gross:
Total burden per year:
€144
This corresponds to about an average weekly shopping trip or a nice restaurant visit per month.
⚡Special Termination Right: How to Switch Now
Check Rate Increase
- • Review your insurer's notification
- • Compare new additional contribution
- • Note increase date
Use Special Termination Right
- • Deadline: Until end of month when increase takes effect
- • Or: 2 months notice period to end of month
- • Written termination required
Choose New Health Insurer
- • Use online comparison
- • Check benefits and additional contribution
- • New insurer often handles termination
⏰ Important Deadlines 2025:
- • Increase from 01.01.2025: Termination possible until 31.01.2025
- • Further increases from July 2025: 9 insurers raise rates again
- • Minimum binding: 18 months after last switch (waived for increases)
💰How to Save Up to €500 Despite Increases
🔍Smart Comparison & Switching
Optimize Contribution:
- • Choose cheapest insurer with 1.6% additional contribution
- • Up to €500 difference to most expensive insurers
- • Same basic benefits for all statutory insurers
Consider Extra Benefits:
- • Professional dental cleaning (PZR) included?
- • Osteopathy subsidies
- • Bonus programs and premium payments
💡 Practical Example: The Schmidt Family Saves €480
Before (expensive insurer):
- • Additional contribution: 3.0%
- • At €4,000 gross: €120/month total contribution
- • Annual costs: €1,440
After (cheap insurer):
- • Additional contribution: 1.6%
- • At €4,000 gross: €80/month total contribution
- • Annual costs: €960 (-€480!)
Free Comparison • All Insurers • Save up to €500
🎯Conclusion: Take Action Now and Save
The 2025 rate increases affect almost all statutory insured persons.But those who compare now and switch to the right insurer can save several hundred euros per year despite general increases - with identical basic benefits!
✅ Take Action Now:
- • Review current increase notification
- • Use special termination right
- • Compare health insurers online
- • Switch to cheapest insurer
💰 Your Savings Potential:
- • Up to €500 annually possible
- • Same statutory benefits
- • Additional bonus programs
- • Free switching service
Start Your Health Insurance Comparison 2025
Compare all statutory health insurers and find the cheapest option. Free, non-binding, and in just 3 minutes.