Robust financial position
These health insurance companies could keep the additional contribution stable
October 31, 2025 – 11:32 a.mReading time: 3 minutes
Statutory health insurance expenses continue to rise. A current rating shows which funds can still afford stable contributions.
The reason for the additional contributions continuing to rise is the development of costs and income. As the “Handelsblatt” reports, expenditure on benefits in statutory health insurance (GKV) rose by 7.9 percent in the first half of 2025. In the previous year they had already increased by 8.2 percent to 312.3 billion euros. Because income is not keeping up with this pace, many health insurance companies are using up their reserves and increasing additional contributions.
The National Association of Statutory Health Insurance Funds is therefore calling for short-term spending curbs, particularly for pharmaceuticals and statutory health care, and is also calling for structural reforms. A central point of contention is so-called non-insurance benefits, such as the financing of health insurance for recipients of citizens’ benefit. Although the federal government pays a subsidy, the bottom line is that there remains a deficit of around ten billion euros. The umbrella association therefore wants to sue.
The Federal Audit Office is also sounding the alarm: According to its assessment, statutory funds are threatened with a permanent structural gap between income and expenditure, which cannot be closed with short-term additional income and is growing by six to eight billion euros annually. The major cost drivers are clearly identified: In 2024, medicines rose in price by 9.7 percent to around 53.7 billion euros, and spending on hospital treatment rose by 8.3 percent to 101.7 billion euros.
The DFSI has evaluated how well individual health insurance funds are coping with this tense situation. The analysts assessed reserves, liquidity and solvency as well as the development of membership numbers. 37 of 72 health insurance companies contacted answered the questionnaire completely. The result underlines the tense situation: no cash register achieved the top rating of “excellent”, compared to three last year.
This is among the health insurance companies open nationwide TUI BKK front; It scores 85.8 out of 100 possible points and scores particularly well with liquidity and assets. The hkk health insurance Above all, it impresses with strong membership growth, high transparency and noticeable contribution stability. It also cuts very well BKK firmus which, with a total contribution of 16.78 percent, is currently one of the cheapest providers open nationwide.
