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can look forward to the insured The majority of the statutory health of the year about declining contributions. Two important statutory Changes provide a hand. On the other, a number of health insurance plans to reduce the additional contribution, once again, in addition, the magazine “financial test” reported. The Changes at a Glance:

First of all, all employees benefit from the fact that employers need to apply from 2019, half of the additional contribution. Previously, employers only have to pay half of the regular contribution, currently at 14.6%, the additional contribution of the employee to bear alone. For a worker who earns 3000 Euro gross, and one percent additional contribution pays to its Fund, the Savings, according to the “financial test” 180 euros per year. Who pays 1.5 per cent additional contribution, saving even 270 euros in the year.

the self-employed with low income, in turn, benefit from the fact that the income threshold for the minimum decreases contribution from 2284 euros to 1038 per month. For a self-employed paying the minimum contribution, the monthly contribution of 356 euros to 160 euros per month. In addition, the self-employed pay starting in January 2019 no health insurance contributions, if they relate to sickness benefit or maternity allowance.

providers in comparison, This health insurance company sponsored by the Fund GmbH best suits you 18 health insurance companies to reduce two increase the contribution to

Regardless of the new legislation is planning a series of health insurance companies to reduce the additional contribution for the new year. Of the 80 health insurance funds, which are open to the public, declared 18 funds to “financial test” that you have to 1. In January, a reduction of the additional contribution plan. Two want to increase the contributions.

the planned reductions Should be confirmed by the end of the year, the Board of Directors and the Supervisory authority, the techniker Krankenkasse (TK), several company health insurance funds as well as individual AOK Insured persons on lower posts to look forward to. Contribution increases plan so far, only the BKK business & Finance, as well as the TBK Thuringian BKK. Since not all of the funds have been expressed, can come for more Changes. In addition, all funds not explained how the proposed Amendment fails. The Viactiv KK has announced that it will not reduce the additional contribution of 1.7 to 1.2 percent – but only from April, which is why it appears in the table with the Changes for the new year.

table: Planned contribution to the reductions/ increases beginning in January 2019*

health insurance company

additional contribution in 2018 in %

additional contribution 2019 %

Modification

AOK Bremen/ Bremerhaven

0,8

0,7

-0,1

AOK Hessen

1.0

0,9

-0,1

AOK Rheinland/ Hamburg

1,4

1,1

-0,3

mountain KK

1,39

1,15

-0,24

Bertelsmann BKK

1,2

<1,2

?

BKK Firmus

0,6

0,44

-0,16

BKK Freudenberg

0,9

0,7

-0,2

BKK Gildemeister Seidensticker

1,2

1,1

-0,1

BKK Melitta Plus

1,1

0,9

-0,2

BKK composite Plus

0,7

<0,7

?

BKK business & Finance

1,1

>1,1

+?

Continentale BKK

1,3

1,1

-0,2

Debeka BKK

0,9

0,8

-0,1

hkk

0,59

<0,59

?

mhplus BKK

1,1

0,98

-0,12

Salus BKK

0,95

0,79

-0,16

Securvita

1,7

1,1

-0,6

TBK Thuringian BKK

0,8

0,9

+0,1

TK

0,9

0,9

?

WMF BKK

1,1

0,9

-0,2

*subject to the approval of the Board of Directors and Supervisory

source: Stiftung Warentest

A database with the contribution rates of all funds, see www.test.de

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