Health insurance contributions will rise to a record level in 2023

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The employee’s share of statutory health insurance will be increased next year. Health insurers are required to partially allocate benefits to ALG II recipients to employees

Services are sometimes refused by statutory health insurers even if applicable case law requires them to provide these services. Disagreement with the indication of a clear legal status leads to the suggestion of a billing procedure that is not always feasible, according to experience.

As a patient, you need to be very familiar with it, have specialist support available and have staying power. The fact that health insurance companies try to use all kinds of tricks to avoid the services they are legally obligated to provide is unnerving and nerve-wracking for the individual patient. In the general context of the medical scene in Germany, this is unacceptable, but at least understandable.

As Dr Doris Pfeiffer, Chair of the National Association of Statutory Health Insurance Funds, stated on June 28, 2022 on the key points of the statutory health insurance funding law introduced by the Federal Minister of Health that it is disappointing that the state, when it comes to health care funding for ALG II recipients continues Failure to fulfill one of his “essential social tasks”:

On behalf of the state, statutory health insurers regulate and pay for ALG II recipients’ health care, but receive ten billion euros less in tax money annually than they have to spend on this care.

If the state had fully fulfilled its obligations here, much would have been achieved. Despite the announcement in the alliance agreement, there was no movement here. So it remains the case that health insurance companies subsidize the federal budget by about ten billion euros each year.

Doris Pfeiffer

These costs are covered by contributions. Key points made by Health Minister Lauterbach Announced 2 days agowhich makes the insured’s additional contribution much more expensive — at best, gives statutory health insurance a “financial respite,” Pfeiffer says.

She notes that the reserves of health insurance companies are “compelled to reduce”, which “is not without risks.”

Depleting reserves, a small additional federal grant paired with a federal loan, and increases in premiums are not sound, sustainable funding for health care for the 73 million people who are generally insured. However, it is significant that the Federal Minister of Health has again ruled out cuts in benefits to the insured.

Doris Pfeiffer

increase contribution

The contribution increases for those with statutory health insurance were not long in coming. The additional contributions, which are charged only to employees, will increase by 0.3 percentage points to 1.6 percent next year. Besides the general contribution rate of 14.6 percent currently, 16.2 percent of the gross salary must be paid for health insurance. “The contribution to GKV has never been this high.” (SZ).

Minister Lauterbach justified the increase with a deficit of about 17 billion euros, which would otherwise threaten the GKV next year. In addition, federal support will be increased by 2 billion euros.

A 1 billion euro federal loan is also planned. In addition, funds should be saved through increased efficiency, it reported Southgerman newspaper . In this context, Lauterbach emphasized, in the opinion of former Health Minister Jens Spahn (CDU), “I inherited this deficiency from my predecessor.” This led to an exorbitant expansion of services and a hold back on structural reforms.

There should not be any performance reductions. However, it is likely that it will become difficult for insured persons to obtain benefits of the kind mentioned at the outset.

Refugees from Ukraine have been able to apply for Hartz IV since June 1

The long-term consequential costs of Corona and Long Covid cannot yet be estimated in a crude way, so the following undisclosed set of costs have been put up to statutory health insurers: Since June 1, 2022, refugees from Ukraine in need have not had access to Social assistance and benefits for a longer period under the Asylum Seekers Benefits Act, but instead according to the Social Act.

As a rule, job centers are responsible for unemployment benefit 2. They fear absolute chaos, especially in big cities, where there are hardly any employees with Ukrainian language skills and many refugees are not familiar with the German bureaucracy at all. In order to be able to apply for benefits according to SGB II at the duty station, a residence permit, the so-called fictitious certificate or an alternative certificate issued by the immigration authorities is required.

Unlike refugees from Russia, residence regulations for Ukrainians are not a problem. The information provided by the applicant must be relied upon in the financial statements. A check in Ukraine should not be possible for a long time. Application documents are only available in German. You don’t want to make it that easy for refugees after all.
(Christopher Gilly)

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