Inflation and war are having an impact on the cost of living – and on health insurance contributions. AOK, DAK, Barmer and Co.: Which price-performance ratio is best?
Frankfurt – The wave of inflation that accompanied us into 2023 caused all prices to skyrocket. While food prices gradually level off as inflation falls, regular payments are less dynamically adjustable. Among other things, gym membership fees and rent payments became more expensive. But what about health insurance contributions? We take a look at the prices and services of popular health insurance companies à la AOK, DAK, Barmer and Co.
With regard to the fixed contribution rate, there is initially good news: At 14.06 percent, it has not changed compared to the previous year. Due to the additional contribution, which health insurance companies can set themselves, it is worth taking a closer look at the prices and their changes compared to the previous year. But other factors should not be ignored either: Is the price-performance ratio convincing or should you consider changing your health insurance company?
Contribution rates for health insurance companies
The contribution rate for health insurance funds consists of a fixed general contribution rate of the statutory health insurance and an individual additional contribution. The resulting percentages between 15.44 and 16.59 percent (in 2023) refer to one's own income.
Price comparison of the ten largest health insurance companies: This is how much prices have changed
Initially, the focus is on price changes. The ten health insurance companies that have the most members in Germany according to krankenkassen.de are considered: Techniker Krankenkasse (TK) with 11,000 members to AOK Nordwest with 3,000 members. Here's how much contributions have changed in 2023 compared to last year:
|Germany's largest health insurance company||Contribution 2022||Contribution 2023|
|1. Techniker Krankenkasse||15.08 percent||15.08 percent|
|2. Barmer||16.01 percent||16.01 percent|
|3. DAC Health||16.01 percent||16.03 percent|
|4. AOK Bayern||15.09 percent||16.18 percent|
|5. AOK Baden-Württemberg||15.09 percent||16.02 percent|
|6. AOK Plus||15.08 percent||16.01 percent|
|7. IKK classic||15.09 percent||16.02 percent|
|8. AOK Rheinland/Hamburg||16.02 percent||16.04 percent|
|9. AOK Lower Saxony||15.06 percent||15.09 percent|
|10. AOK Nordwest||16.03 percent||16.49 percent|
Only the two largest health insurance companies, TK and Barmer, have not increased their individual additional amounts. Otherwise, the increases are up to three percentage points. In the case of the AOK health insurance companies, it is noticeable that the contribution payments vary from state to state. According to krankenkassen.de, the price range of health insurance contribution rates between 15.44 and 16.59 percent is highest in North Rhine-Westphalia. Peak values of 16.59 percent are also achieved by health insurance companies in Bremen, Lower Saxony, Mecklenburg-Western Pomerania, Saxony-Anhalt and Schleswig-Holstein.
The cheapest health insurance companies in Hesse and elsewhere in 2023
Even though the exact price ranges vary slightly from state to state, consumers can find cheap deals in each. Among the cheapest health insurance companies in Hesse are BKK Gildemeister Seidensticker and BKK Firmus with a contribution rate of 15.5 percent each. With the same contribution rate, these health insurance companies are also the cheapest in other federal states.
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My areaHealth insurance comparison 2023: Search for the perfect price-performance ratio. (Symbolic photo) © imago images
There are only a few cheaper alternatives to BKK Gildemeister Seidensticker and BKK Firmus in Germany: BKK Eurigio in Hamburg and North Rhine-Westphalia with a rate of 15.44 percent and BKK Pfaff in Rhineland-Palatinate with 15.4 percent.
Top 4: These health insurance companies offer the most services
But be careful: When choosing your trusted health insurance company, you should not only keep an eye on the price, but also on the services. The portal Finanztip has taken a closer look at 16 nationwide health insurance companies based on 30 criteria. These are the winners:
Regional health insurance companies were not included in this financial tip survey. These include, among other things, the particularly low-cost BKK health insurance companies as well asIKKs and AOKs. It should also be noted that due to financial bottlenecks, a reform of health insurance and changes in contribution rates are underway.