Health insurance: soon 70 euros for additional contributions?



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In the future, the chair of the health insurance association expects additional contributions of 70 euros

Social associations and unions have been warning for a long time: The additional contributions from the statutory health insurance funds could soon increase many times over. In the opinion of the chair of the association Doris Pfeiffer will soon increase the additional contribution to 50 to 70 euros per month. Health economists even speak of over 100 euros.

Additional contributions from the statutory health insurance companies are still a single phenomenon. Some of them have to collect a flat fee of eight euros per month. 16 out of almost 158 ​​health insurance companies are among them. Many legally insured people still react with a willingness to change and leave when an additional contribution is levied. But soon it will no longer be a question of whether an additional contribution will be charged, but how much. The approximately 71 million people with statutory health insurance will have to prepare for an additional contribution of 50 to 70 euros in the next two to three years. Such a high additional contribution will very likely come, says the chairwoman of the umbrella organization of statutory health insurance GKV Dr. Doris Pfeiffer opposite “Deutschlandradio Kultur” in Berlin. Politics and rising healthcare costs are to blame.

Additional contributions capped The black and yellow coalition lifted additional contributions as part of the health reform. Since the beginning of 2011, the health insurance companies have been able to decide on the amount independently. The federal government aims to decouple employer shares with indirect management. Cost increases in the health care system are to be regulated via the so-called head flat rates. The equal amount of funding is effectively overridden.

The insured would have to pay the costs for resident doctors, clinics and pharmaceuticals through the additional contributions. "Therefore, such a size is conceivable and also wanted by politics," the head of the association told the radio station. From now on, patients with statutory health insurance have to pay the surcharge alone. That comes on top of the regular contributions of the contribution rate of 15.5 percent. Every month.

The acceptance of the treasurer was recently confirmed by the University of Cologne. Their institute for health economics had calculated a future additional contribution of 100 euros per month nationwide for the next seven years. When the results were announced, the figures were denied by the Federal Ministry of Health. The additional contributions would increase, but one does not assume such populations.

Insured persons may not be dismissed
Most health insurers are currently not charging any additional contributions because, as in the case of the City BKK, they are afraid that many, above all, healthy and young members will turn their backs on the health insurer. If many young people switch to another health insurance company, the membership structure of one insurance company stabilizes at the expense of the other. Due to the closure of the City BKK, however, many sick and elderly compulsorily insured people have to look for a new fund. Many health insurance companies respond to inquiries with a clearly defensive stance and try to brush off membership applications many times. Pfeiffer informed City BKK policyholders that rejection is illegal. "People should not be unsettled". Insured persons have the option of looking for a new health insurance company until July of this year. You are entitled to another two weeks after the closure. If there is no change afterwards, the employer will select the health insurance company with which the insured was previously insured. Around 168,000 people are currently looking for a new health insurance company.

Most of the City BKK members live in Berlin or Hamburg. In both metropolitan areas, treatments and diagnostics are very expensive. Most recently, the membership structure of the City BKK was very old. A similar fate could also happen to other health insurers. And that is also what is wanted before politics. Whether the actual effects have always been considered will become clear in a few years at the latest. The system is still reasonably stable. (sb)

Also read:
Health insurance companies: Additional 100 euros in the future?
Health: Government relies on a flat rate per head
United IKK: retroactive additional contribution

Image: Gerd Altmann, Pixelio.de

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