Health insurance companies are increasing contributions – what that means for pensioners
Created: 01/05/2023 10:11 am
By: Robin Dittrich
Many health insurance companies will increase their contributions in 2023.
Pensioners are also affected.
But what does the increase mean for you?
Hamburg – The basic contribution to health insurance is set by law: it is 14.6 percent of the income that is subject to contributions.
In 2023, however, the additional contributions will increase.
These can be set by the health insurance companies themselves.
What does this increase mean for retirees?
government institution: | federal government |
Founding: | September 15, 1949 |
Seat: | Berlin, Germany |
Chair: | Olaf Scholz (Federal Chancellor), Robert Habeck (Vice Chancellor) |
Additional health insurance contributions will be increased – what that means for pensioners
The general contribution rate for health insurance for pensioners is 14.6 percent across Germany.
Pensioners bear only half of it, i.e. 7.3 percent - the other half is covered by the German pension insurance.
Pensioners don't have to worry about anything, the share is simply withheld from the monthly pension payment.
The pension insurance also contributes half of the additional contribution levied by health insurance companies – how high is this?
Additional health insurance contributions will be increased in 2023 – what that means for pensioners.
© Michael Gstettenbauer/Imago (montage)
The additional contribution is determined individually by each health insurance company.
In 2023, many health insurance companies will increase this additional contribution - this is often 0.1 to 0.5 percent higher than in 2022. If the additional contribution from your health insurance company is 1.6 percent, you have to pay 0.8 percent of it yourself.
Pensioners also have to pay the contribution to long-term care insurance.
This will be 3.05 percent in 2023, or 3.40 percent for childless people.
This long-term care insurance contribution must be borne by pensioners alone.
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Example of paying health insurance contributions - save a lot of money in 2023
Voluntarily or privately insured pensioners must also pay the nursing care insurance contribution themselves.
An example of the German pension insurance: Your pension is 1000 euros per month.
You are compulsorily insured in the health and long-term care insurance for pensioners, and you also have a child.
The health insurance contribution to be paid of 14.6 percent is 146 euros.
You have to pay 73 euros of this.
In addition, there is an additional contribution of 1.5 percent, i.e. 7.5 euros to be paid, the other part is covered by the pension insurance.
Sample calculation pension insurance with child:
Pension:
1000 euros
Health insurance contribution:
146 euros (14.6 percent) – 73 euros to be borne by the pensioner
Additional health insurance contribution:
15 euros (1.5 percent) – 7.50 euros to be borne by the pensioner
Long- term care insurance contribution:
30.50 euros (3.05 percent) – to be borne entirely by the pensioner
Pension received:
889 euros
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The share for long-term care insurance would therefore be 30.50 euros.
You will receive 889 euros of the 1000 euros pension.
However, an increase in the additional contributions to health insurance can be avoided.
Those with health insurance should therefore find out exactly whether changing health insurance is worthwhile for them.
There are also a number of ways to increase your pension.
For example, there are eight grants that many retirees are unaware of.
Nursing care can also increase the pension.
If your spouse has died, you are often entitled to a widow's pension.
