{"id":2747,"date":"2026-05-06T19:31:02","date_gmt":"2026-05-06T17:31:02","guid":{"rendered":"https:\/\/bramexplus.com\/?p=2747"},"modified":"2026-07-01T11:10:31","modified_gmt":"2026-07-01T09:10:31","slug":"family-insurance-germany-couples","status":"publish","type":"post","link":"https:\/\/bramexplus.com\/en\/family-insurance-germany-couples\/","title":{"rendered":"Family Insurance in Germany: What&#8217;s Changing for Couples"},"content":{"rendered":"<p>It&#8217;s an argument we hear again and again from people who&#8217;ve built a life in Germany: &#8220;I&#8217;m not switching to private insurance because my partner is covered for free on the public system.&#8221; It makes sense. Family insurance in Germany (the <em>Familienversicherung<\/em>) currently allows a spouse with no income \u2014 or a very low income \u2014 to be covered on the public system at no extra cost. It&#8217;s one of the great advantages of the German solidarity model.<\/p>\n<p>On Wednesday 29 April 2026, the German government approved a reform that changes this. Keeping a partner covered on the public system will come with a cost for many profiles from 2028. Not for everyone \u2014 there are important exceptions, especially where there are young children \u2014 but yes for a substantial share of the couples who currently benefit from this free cover.<\/p>\n<p>Let&#8217;s look at exactly what changes, who will have to pay, how much, and why this change reopens a conversation many people considered settled.<\/p>\n<h2>Before the reform: the argument many people repeat<\/h2>\n<p>The phrase comes up in almost every conversation with clients weighing up what to do about their health insurance: &#8220;sure, but on the public system my wife (or husband) pays nothing.&#8221; And it&#8217;s true. It has been for decades, and it&#8217;s part of the emotional and financial calculation many couples make when settling in Germany.<\/p>\n<p>The system works like this: if you&#8217;re on the public system (GKV) and your partner \u2014 spouse or registered partner \u2014 doesn&#8217;t work or earns very little, they&#8217;re automatically covered under your policy, without paying a contribution of their own. The same applies to children. On private insurance (PKV), by contrast, each family member pays their own individual contribution.<\/p>\n<p>That difference is one of the big arguments that leads many couples to stay on the public system even when one of them has a high income and could, technically, opt for private cover. The question was simple: why pay two contributions if on the GKV I pay just one and it covers both of us?<\/p>\n<p>The 29 April reform doesn&#8217;t eliminate that logic entirely, but it modifies it. And that forces anyone who made the decision on the basis of that argument to redo the maths.<\/p>\n<h2>How family insurance in Germany works today<\/h2>\n<p>Before getting into what&#8217;s changing, it&#8217;s worth being clear about what exists today.<\/p>\n<p>The <strong>Familienversicherung<\/strong> allows the holder of a public policy (GKV) to co-insure certain family members at no cost, provided they meet certain requirements. According to the conditions set out by the Krankenkassen themselves and the <a href=\"https:\/\/www.bundesgesundheitsministerium.de\/themen\/krankenversicherung\/online-ratgeber-krankenversicherung\" target=\"_blank\" rel=\"noopener\">official guide from the Bundesgesundheitsministerium<\/a>, the basic requirements are:<\/p>\n<ul>\n<li>Having residence or habitual abode in Germany.<\/li>\n<li>Not having your own mandatory insurance.<\/li>\n<li>Not being a person exempt from the insurance obligation (for example, civil servants, military personnel).<\/li>\n<li>Not being self-employed as your main occupation.<\/li>\n<li>Not exceeding a certain income threshold.<\/li>\n<\/ul>\n<h3>The income threshold in 2026<\/h3>\n<p>The co-insured family member cannot have regular income above:<\/p>\n<ul>\n<li><strong>565 \u20ac a month<\/strong> in general (one seventh of the social security <em>Bezugsgr\u00f6\u00dfe<\/em>, under \u00a7 10 SGB V).<\/li>\n<li><strong>603 \u20ac a month<\/strong> if the income comes from a Minijob (this figure is tied to the statutory minimum wage, which in 2026 stands at 13,90 \u20ac\/hour).<\/li>\n<\/ul>\n<p>If the family member exceeds these figures, they leave family insurance and have to insure themselves.<\/p>\n<h3>Who can be co-insured for free today<\/h3>\n<p>The current system covers, at no extra cost to the policy-holder, the following groups (provided they meet the requirements above):<\/p>\n<ul>\n<li>Children, adopted children, foster children.<\/li>\n<li>Spouses and registered partners (<em>eingetragene Lebenspartner<\/em>).<\/li>\n<\/ul>\n<p>One important clarification: the German system does not automatically recognise common-law couples or unregistered cohabiting partners. Spousal Familienversicherung applies only to marriages and to partnerships officially registered under the <em>Lebenspartnerschaft<\/em>. Anyone living together without marriage or registration has never been able to benefit from this cover, and the reform doesn&#8217;t change that.<\/p>\n<h2>What changes in family insurance from 2028<\/h2>\n<p>The healthcare reform package approved on 29 April (the <em>GKV-Beitragssatzstabilisierungsgesetz<\/em>, BStabG) introduces a significant change: from 2028, keeping a spouse or registered partner on family insurance stops being entirely free for many profiles.<\/p>\n<p>According to <a href=\"https:\/\/www.bundesgesundheitsministerium.de\/ministerium\/meldungen\/gkv-beitragssatzstabilisierungsgesetz-kabinett-29-04-26\" target=\"_blank\" rel=\"noopener\">official information from the Bundesgesundheitsministerium<\/a>, the specific measure is a <strong>surcharge of 2,5% on the income of the insured spouse<\/strong> who co-insures their partner. In other words: if you&#8217;re on the GKV and your partner is covered through your policy, you&#8217;ll now pay a supplement of 2,5% of your own income to keep them covered.<\/p>\n<p>There&#8217;s an important nuance in the legislative path. The initial draft, published on 16 April, proposed a surcharge of 3,5%. After discussions within the government, the Bundeskabinett lowered that figure to 2,5% in the version approved on 29 April. There may still be adjustments as it passes through the Bundestag, but the current official reference figure is 2,5%.<\/p>\n<div class=\"bpx-callout\">\n<span class=\"bpx-callout-title\">IN ONE SENTENCE<\/span><\/p>\n<p>From 2028, keeping a spouse on family insurance in Germany will no longer be entirely free. The policy-holder will pay an extra 2,5% on their salary, unless the partner falls under one of the planned exceptions.<\/p>\n<\/div>\n<p><img fetchpriority=\"high\" decoding=\"async\" src=\"https:\/\/bramexplus.com\/wp-content\/uploads\/2026\/05\/lo-que-afectan-las-reformas-al-seguro-familiar-en-alemania.webp\" alt=\"Couple at home with their young daughter, a profile that keeps family insurance in Germany with no surcharge\" width=\"800\" height=\"450\" \/><\/p>\n<h2>Who avoids the surcharge: the family insurance exceptions<\/h2>\n<p>The surcharge doesn&#8217;t apply in every case. Minister Nina Warken has stressed that <em>&#8220;family insurance is being modified, not abolished,&#8221;<\/em> and the approved text keeps spousal co-insurance free in five specific situations:<\/p>\n<ul>\n<li><strong>Parents with children under 7<\/strong>. If the couple has a child under that age, the spouse remains co-insured with no surcharge.<\/li>\n<li><strong>Parents of children with disabilities<\/strong> who cannot support themselves financially.<\/li>\n<li><strong>Family carers<\/strong> of dependent people (<em>pflegende Angeh\u00f6rige<\/em>).<\/li>\n<li><strong>Spouses of retirement age<\/strong> (from the <em>Regelaltersgrenze<\/em>).<\/li>\n<li><strong>Spouses with recognised full occupational disability<\/strong> (<em>volle Erwerbsminderung<\/em>).<\/li>\n<\/ul>\n<p>Free cover for children, including adopted and foster children, also stays unchanged. That isn&#8217;t affected.<\/p>\n<p>The most affected profile is therefore couples without young children, without family care duties, both of working age, where one works and the other doesn&#8217;t (or earns little). That&#8217;s the typical case that will have to pay the surcharge.<\/p>\n<h2>How much it will cost to keep a spouse on family insurance<\/h2>\n<p>The 2,5% surcharge is calculated on the income of the insured spouse \u2014 the one paying contributions \u2014 and, like other GKV contributions, is capped by the <em>Beitragsbemessungsgrenze<\/em> (BBG), the ceiling up to which contributions are levied. In 2026, the BBG stands at <strong>5.812,50 \u20ac a month<\/strong> (69.750 \u20ac a year), according to the <a href=\"https:\/\/www.bundesregierung.de\/breg-de\/aktuelles\/beitragsgemessungsgrenzen-2386514\" target=\"_blank\" rel=\"noopener\">Bundesregierung<\/a>. That means that, however much you earn, the surcharge isn&#8217;t applied to your entire salary, only up to the ceiling.<\/p>\n<p>That nuance matters: above a certain salary level, the surcharge is &#8220;capped.&#8221; The maximum surcharge in 2026 would be around <strong>145 \u20ac a month<\/strong> (5.812,50 \u20ac \u00d7 2,5%), or in other words, around <strong>1.745 \u20ac a year<\/strong>.<\/p>\n<p>This table shows the surcharge applied at different income levels of the policy-holder, calculated on 2026 figures (the BBG will continue rising in 2027 under the reform in the same package, which we cover in <a href=\"URL_PENDIENTE_ARTICULO_A\">another blog article<\/a>):<\/p>\n<table>\n<thead>\n<tr>\n<th>Policy-holder&#8217;s annual gross salary<\/th>\n<th>Monthly gross salary<\/th>\n<th>Monthly surcharge (2,5%)<\/th>\n<th>Annual surcharge<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>50.000 \u20ac<\/td>\n<td>4.167 \u20ac<\/td>\n<td>~104 \u20ac<\/td>\n<td>~1.250 \u20ac<\/td>\n<\/tr>\n<tr>\n<td>60.000 \u20ac<\/td>\n<td>5.000 \u20ac<\/td>\n<td>~125 \u20ac<\/td>\n<td>~1.500 \u20ac<\/td>\n<\/tr>\n<tr>\n<td>70.000 \u20ac<\/td>\n<td>5.833 \u20ac (at the 2026 BBG cap)<\/td>\n<td>~145 \u20ac<\/td>\n<td>~1.745 \u20ac<\/td>\n<\/tr>\n<tr>\n<td>90.000 \u20ac<\/td>\n<td>5.812,50 \u20ac (2026 BBG cap)<\/td>\n<td>~145 \u20ac<\/td>\n<td>~1.745 \u20ac<\/td>\n<\/tr>\n<tr>\n<td>120.000 \u20ac<\/td>\n<td>5.812,50 \u20ac (2026 BBG cap)<\/td>\n<td>~145 \u20ac<\/td>\n<td>~1.745 \u20ac<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>In rough terms, the annual cost of keeping a spouse on the GKV under this new model is, for most affected profiles, between <strong>1.250 \u20ac and 1.750 \u20ac a year<\/strong>.<\/p>\n<p><img decoding=\"async\" src=\"https:\/\/bramexplus.com\/wp-content\/uploads\/2026\/05\/reformas-que-afectan-a-tus-finanzas-en-Alemania.webp\" alt=\"Purse with euro coins and notes, illustrating the cost of family insurance in Germany after the reform\" width=\"800\" height=\"450\" \/><\/p>\n<p>According to calculations by the <a href=\"https:\/\/www.iges.com\/\" target=\"_blank\" rel=\"noopener\">IGES Institut<\/a> cited by several German media outlets, around <strong>1,3 million spouses<\/strong> co-insured on the GKV will be affected by the change. The estimated additional revenue for the system is around 2.200 million euros a year, according to the government.<\/p>\n<h2>Why this change reopens the conversation about private insurance<\/h2>\n<p>This is where the maths gets interesting. Until now, the comparison between GKV family insurance and private insurance for a couple where only one works had a very clear strength in favour of the public system: the free partner. It was a conclusive argument that closed the conversation.<\/p>\n<p>From 2028, that argument still holds in some cases (couples with children under 7, carers, retired spouses or those with recognised disability) but stops holding in many others. And when it stops holding, the annual cost of keeping a spouse on the GKV goes from zero to between 1.250 \u20ac and 1.750 \u20ac.<\/p>\n<p>That doesn&#8217;t mean PKV is automatically the winning option. PKV has its own logic: each member of the couple pays an individual contribution based on age, health status and the level of cover taken out. For a couple where both are young and healthy, the combined contributions can be competitive; for a couple where one has pre-existing health conditions, not necessarily. And there&#8217;s a further nuance: PKV is a long-term decision, with implications that go well beyond the year-to-year (a difficult return to the public system after a certain age, how the contribution evolves over the years, plans to return to your home country).<\/p>\n<p>What does change is that the question is open again. Until now, many couples in Germany had closed it with a quick calculation. The reform forces that calculation to be redone with the new numbers. If you have the option to choose between GKV and PKV (that is, if your gross salary exceeds the <em>Versicherungspflichtgrenze<\/em>, set at 6.450 \u20ac\/month in 2026), it&#8217;s worth <a href=\"https:\/\/bramexplus.com\/en\/private-health-insurance-germany\/\">reviewing how the private insurance system works<\/a> with up-to-date information before treating anything as settled.<\/p>\n<h2>What if my partner lives in another country?<\/h2>\n<p>This is a point of particular interest to many internationals in Germany. In plenty of couples, one partner lives in their home country while the other works in Germany.<\/p>\n<p>The general rule for family insurance in Germany requires residence or habitual abode in the country to be co-insured. But there are exceptions where a bilateral social security agreement allows co-insurance with a family member residing outside the country. The official BMG statement expressly mentions this case, citing the agreement with Turkey as an example, and indicates that the new 2,5% surcharge will also apply to these situations.<\/p>\n<p>For EU countries, European social security regulations and Community rules set particular rules that are worth reviewing in detail, case by case. There&#8217;s no universal answer: it depends on the employment status of each member of the couple, the country of residence and the type of cover the spouse already has in their country. If this is your situation, it&#8217;s worth raising it in a personalised consultation before assuming that cover does or doesn&#8217;t exist.<\/p>\n<h2>Timeline and what could still change<\/h2>\n<p>The ministry&#8217;s planned timeline is tight. The key dates:<\/p>\n<ul>\n<li><strong>16 April 2026<\/strong>: the ministry publishes the <em>Referentenentwurf<\/em> (initial draft) with a surcharge of 3,5%.<\/li>\n<li><strong>29 April 2026<\/strong>: the Bundeskabinett approves the final version, with the surcharge lowered to 2,5%.<\/li>\n<li><strong>Before the 2026 summer recess<\/strong>: the bill is expected to pass through the Bundestag. According to the government and as reported by specialist publications, the text does not require Bundesrat approval (it isn&#8217;t a <em>zustimmungsbed\u00fcrftiges Gesetz<\/em>), so the parliamentary path is more direct than in other reforms.<\/li>\n<li><strong>1 January 2028<\/strong>: the 2,5% spousal surcharge takes effect.<\/li>\n<\/ul>\n<p>As already happened between the draft and the approved version, there may still be adjustments during the parliamentary debate. Some social associations such as SoVD and VdK have been highly critical of the measure and have called for it to be reviewed. It can&#8217;t be ruled out that the percentage or the exceptions may change before final approval. But the political direction is clear: free family insurance for a spouse will be, from 2028, more restrictive than it is now.<\/p>\n<h2>Frequently asked questions about family insurance in Germany<\/h2>\n<h3>Are my children still covered for free?<\/h3>\n<p>Yes. The reform doesn&#8217;t touch the free co-insurance of children, including adopted or foster children. The change affects only the spouse or registered partner, and only in cases that don&#8217;t fall under one of the planned exceptions.<\/p>\n<h3>If my partner works part-time and earns little, are they affected?<\/h3>\n<p>It depends. If your partner&#8217;s income is below the family insurance threshold (565 \u20ac a month in 2026, or 603 \u20ac for a Minijob), they remain eligible for cover. From 2028, if they&#8217;re within that threshold but don&#8217;t fall under any of the exceptions (child under 7, care duties, retirement, disability), you&#8217;ll pay the 2,5% surcharge. If they exceed the threshold, they fall outside family insurance and will have to insure themselves \u2014 as already happens today.<\/p>\n<h3>Does this also apply if my partner is in another country?<\/h3>\n<p>If the co-insurance is based on a bilateral social security agreement, the 2,5% surcharge will apply from 2028 too, according to the ministry. For EU cases (Spain, Italy, Portugal, etc.) Community legislation introduces nuances that need to be reviewed in detail, case by case.<\/p>\n<h3>What happens if I switch to PKV and my partner stays on the GKV?<\/h3>\n<p>In that case, your partner would not be co-insured under your family insurance (because you&#8217;d no longer be on the GKV). They would have to insure themselves as a voluntary GKV member or through their own employment, and would pay their own contribution. The 2,5% surcharge doesn&#8217;t apply in this scenario, because there&#8217;s no co-insurance. It&#8217;s one of the many factors that enter the calculation when a couple considers switching to private insurance.<\/p>\n<h3>When exactly does it take effect?<\/h3>\n<p>On 1 January 2028, according to the current timeline. Until then, the rules remain those that apply today: free spousal co-insurance at no extra cost, provided the requirements are met.<\/p>\n<p><em>This article describes a legislative project going through parliament. The figures, dates and exceptions may be adjusted during the process. For specific decisions about cover, especially for couples with one member residing outside Germany, it&#8217;s advisable to have personalised advice.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>It&#8217;s an argument we hear again and again from people who&#8217;ve built a life in Germany: &#8220;I&#8217;m not switching to private insurance because my partner is covered for free on the public system.&#8221; It makes sense. Family insurance in Germany (the Familienversicherung) currently allows a spouse with no income \u2014 or a very low income [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":2746,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[26],"tags":[],"class_list":["post-2747","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Family Insurance in Germany: What&#039;s Changing for Couples - Bramex Plus<\/title>\n<meta name=\"description\" content=\"From 2028, keeping your spouse on statutory family insurance in Germany will cost extra for many couples. 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