This is what the Warken plan costs
Nursing care insurance is becoming more expensive for these pensioners
Updated May 26, 2026 – 8:56 a.mReading time: 2 minutes
According to a report, the black-red coalition is planning to increase nursing contributions again. What does this mean for insured people?
According to the information, insured people without children should in future pay a total contribution rate of 4.3 percent from the age of 23. For insured people with children, however, the current rates of 3.6 percent (one child), 3.35 percent (two children) and 3.1 percent (three children) would remain, writes the RND. The care contribution was only increased in 2025. Read here who is considered childless in long-term care insurance.
This is what the plan costs for insured people without children
Employees and employers each pay half of the care contribution. However, employers do not pay the supplement for those without children – they have to cover it alone. The money is deducted from gross wages. If this plan is implemented, childless employees would pay 2.5 percent of their wages to social care insurance. Employers pay 1.8 percent. We have calculated here how this affects the net wage:
| Gross wages | Costs of care contribution at 4.2 percent (2026) | …at 4.3 percent (Warken plan) |
|---|---|---|
| 1,500 euros | 63 euros | 64.50 euros |
| 2,000 euros | 84 euros | 86 euros |
| 2,500 euros | 105 euros | 107.50 euros |
| 3,000 euros | 126 euros | 129 euros |
| 3,500 euros | 147 euros | 150.50 euros |
| 4,000 euros | 168 euros | 172 euros |
| 4,500 euros | 189 euros | 193.50 euros |
| 5,000 euros | 210 euros | 215 euros |
| 6,000 euros | 252 euros | 258 euros |
While employees share the contribution with the employer, pensioners have to pay it alone. Pensioners without children have to prepare for a higher burden. The general contribution rate of 3.6 percent should continue to apply to pensioners with children.
Nursing care insurance is part of the general social security contribution. There are also contributions for health insurance (14.6 percent plus individual additional contributions), pension insurance (18.6 percent) and unemployment insurance (2.6 percent).
