GKV reform
Family insurance will not be as expensive as planned
Updated on July 6, 2026 – 12:32 p.mReading time: 3 minutes
Family insurance: 2.5 instead of 3.5 percent
As the “Frankfurter Allgemeine Zeitung” reports, Warken is planning, among other things, changes to family insurance. This is currently free for spouses and life partners. That should change from 2028. However, insured persons should no longer pay 3.5 percent of their contributory income for their partner’s co-insurance, as was previously considered, but only 2.5 percent.
| Gross monthly salary | Costs for family insurance (3.5 percent) | Costs for family insurance (2.5 percent) |
|---|---|---|
| 3,000 euros | 105 euros | 75 euros |
| 3,500 euros | 122.5 euros | 87.5 euros |
| 4,000 euros | 140 euros | 100 euros |
| 4,500 euros | 157.5 euros | 112.5 euros |
| 5,000 euros | 175 euros | 125 euros |
| 5,500 euros | 192.5 euros | 137.5 euros |
| 5,812.5 euros | 203.44 euros | 145.31 euros |
Change in personal contribution
In addition, the plans Federal Government also changes to the exceptions. In the future, family insurance should remain free if there are children up to and including the age of eleven living in the household. Originally the limit was supposed to be six years. However, the federal states had pushed for significantly more extensive exceptions.
The federal government is also planning changes to additional payments for medication and hospital stays. As planned, these are to be increased by 50 percent, so that in the future up to 15 euros will be charged for medication instead of the current up to 10 euros. However, the federal government had originally planned for the personal contribution to continue to increase, linked to the development of the basic wage. This automatic increase is now apparently to be canceled.
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In return, more money should flow from the federal government and the pharmaceutical industry. The federal government is making an additional 750 million euros available for health care for those receiving basic income benefits by 2030. This should be made possible through additional revenue from the planned tax on sugary drinks.
