Record-High Health Insurance Contributions to Increase in 2025

German statutory health insurance providers announce significant hikes in contribution rates, citing financial strain and policy decisions.

The average statutory health insurance contribution rate is expected to rise by 1 percentage point, reaching approximately 17.4% in 2025, the highest in over 50 years.
The increase is driven by depleted financial reserves, rising healthcare costs, and policy reforms that expanded benefits without sufficient funding.
Members of some insurance providers, such as AOK Niedersachsen, will see even steeper hikes, with its total contribution rate increasing from 16.1% to 17.3%.
Policyholders have the option to switch to other health insurance providers, especially if their current provider raises rates, benefiting from a special right to terminate their contracts early.
Experts recommend comparing not only contribution rates but also additional services offered by different providers to ensure the best value for coverage.