Versicherungspflichtgrenze 2027: how much it rises and who it affects
Reform passed · Information guide On 10 July 2026, the Bundestag and the Bundesrat passed Germany’s reform of public health insurance funding: the GKV-Beitragssatzstabilisierungsgesetz. This is no longer a draft bill. The new law establishes, among other measures, that the salary threshold for choosing private health insurance will make a far bigger jump in 2027 […]
Seeing a Doctor in Germany as a Private Patient: How It Works
Picture the situation: your back has been hurting for weeks and you call an orthopaedist. You’re told the first available appointment is three months away… if you’re lucky. Or, more bluntly, that they’ve reached their patient quota and simply can’t take you on. Sound familiar? The difference between waiting three months or three days often […]
Family Insurance in Germany: What’s Changing for Couples
It’s an argument we hear again and again from people who’ve built a life in Germany: “I’m not switching to private insurance because my partner is covered for free on the public system.” It makes sense. Family insurance in Germany (the Familienversicherung) currently allows a spouse with no income — or a very low income […]
GKV Increase in 2027: What Changes If You Earn Above the Contribution Ceiling
On Wednesday 29 April 2026, the German Council of Ministers approved a healthcare reform package that will have a very concrete effect on the payslips of those on the public system (GKV) who earn above a certain income level. The central measure affecting this group has a long, unfriendly name — Beitragsbemessungsgrenze — and boils […]