{"id":3118,"date":"2026-07-21T10:40:03","date_gmt":"2026-07-21T08:40:03","guid":{"rendered":"https:\/\/bramexplus.com\/?p=3118"},"modified":"2026-07-21T11:13:44","modified_gmt":"2026-07-21T09:13:44","slug":"versicherungspflichtgrenze-2027","status":"publish","type":"post","link":"https:\/\/bramexplus.com\/en\/versicherungspflichtgrenze-2027\/","title":{"rendered":"Versicherungspflichtgrenze 2027: how much it rises and who it affects"},"content":{"rendered":"<style>\n.brx-art{font-family:'Poppins',Helvetica,Arial,sans-serif;color:#1c244b;line-height:1.7;font-size:17px;max-width:820px;margin:0 auto;padding:8px 4px 32px 4px;}\n.brx-art h2{font-family:'Poppins',Helvetica,Arial,sans-serif;color:#1c244b;font-size:28px;line-height:1.3;font-weight:700;margin:44px 0 16px 0;}\n.brx-art h3{font-family:'Poppins',Helvetica,Arial,sans-serif;color:#1c244b;font-size:20px;line-height:1.35;font-weight:700;margin:28px 0 12px 0;}\n.brx-art p{margin:0 0 16px 0;}\n.brx-art ul{margin:0 0 18px 0;padding-left:22px;}\n.brx-art li{margin-bottom:10px;}\n.brx-art a{color:#1c244b;font-weight:600;text-decoration:underline;text-decoration-color:#ffb905;text-decoration-thickness:2px;text-underline-offset:3px;}\n.brx-art a:hover{color:#595757;}\n.brx-art strong{font-weight:700;}\n.brx-eyebrow{display:inline-block;background:#fff7e0;border:1px solid #ffb905;color:#1c244b;font-size:13px;font-weight:700;letter-spacing:0.04em;border-radius:999px;padding:7px 16px;margin:0 0 18px 0;}\n.brx-lead{font-size:19px;color:#1c244b;}\n.brx-table-wrap{overflow-x:auto;margin:24px 0;}\n.brx-table{width:100%;border-collapse:collapse;font-size:16px;}\n.brx-table th{background:#1c244b;color:#ffffff;text-align:left;padding:14px 16px;font-weight:600;}\n.brx-table td{border-bottom:1px solid #e6e8f0;padding:14px 16px;color:#1c244b;}\n.brx-table tr:last-child td{border-bottom:none;background:#fff7e0;font-weight:600;}\n.brx-tablenote{font-size:14px;color:#595757;margin-top:-14px;}\n.brx-img{display:block;width:100%;height:auto;border-radius:14px;margin:12px 0 26px 0;}\n.brx-callout{background:#f6f7fb;border-left:4px solid #ffb905;border-radius:10px;padding:20px 22px;margin:28px 0;}\n.brx-callout-title{display:block;font-weight:700;color:#1c244b;font-size:15px;letter-spacing:0.03em;text-transform:uppercase;margin-bottom:8px;}\n.brx-callout p{margin:0;}\n.brx-timeline{list-style:none;margin:24px 0;padding:0;}\n.brx-timeline li{position:relative;padding:0 0 22px 34px;margin:0;}\n.brx-timeline li:before{content:\"\";position:absolute;left:8px;top:8px;width:11px;height:11px;border-radius:50%;background:#ffb905;}\n.brx-timeline li:after{content:\"\";position:absolute;left:13px;top:22px;bottom:0;width:2px;background:#e6e8f0;}\n.brx-timeline li:last-child:after{display:none;}\n.brx-timeline-date{display:block;font-weight:700;color:#1c244b;}\n.brx-timeline-text{color:#595757;}\n.brx-faq{margin:24px 0;}\n.brx-faq details{border:1px solid #e6e8f0;border-radius:10px;margin-bottom:12px;background:#ffffff;}\n.brx-faq summary{cursor:pointer;padding:16px 20px;font-weight:600;color:#1c244b;list-style:none;position:relative;padding-right:44px;}\n.brx-faq summary::-webkit-details-marker{display:none;}\n.brx-faq summary:after{content:\"+\";position:absolute;right:18px;top:12px;font-size:22px;color:#ffb905;font-weight:700;}\n.brx-faq details[open] summary:after{content:\"\u2013\";}\n.brx-faq .brx-faq-a{padding:0 20px 16px 20px;color:#595757;}\n.brx-faq .brx-faq-a p{margin:0 0 10px 0;}\n.brx-cta{background:#1c244b;border-radius:14px;padding:34px 30px;margin:40px 0 28px 0;text-align:center;}\n.brx-cta h2{color:#ffffff;margin:0 0 12px 0;font-size:24px;}\n.brx-cta p{color:#ffffff;margin:0 auto 20px auto;max-width:620px;}\n.brx-cta-btn{display:inline-block;background:#ffb905;color:#1c244b;font-weight:700;font-size:16px;border-radius:999px;padding:15px 30px;text-decoration:none;}\n.brx-cta-btn:hover{background:#ffffff;color:#1c244b;}\n.brx-art .brx-cta a.brx-cta-btn{color:#1c244b;text-decoration:none;font-weight:700;}\n.brx-sources{font-size:14px;color:#595757;border-top:1px solid #e6e8f0;padding-top:18px;margin-top:32px;}\n.brx-sources p{margin:0 0 8px 0;}\n.brx-sources a{color:#595757;font-weight:600;}\n@media (max-width:640px){\n.brx-art{font-size:16px;}\n.brx-art h2{font-size:23px;}\n.brx-lead{font-size:17px;}\n.brx-cta{padding:26px 18px;}\n}\n<\/style>\n<p><script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\n      \"@type\": \"Question\",\n      \"name\": \"How much does the Versicherungspflichtgrenze rise in 2027?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"It goes from 77.400 \u20ac a year in 2026 (6.450 \u20ac a month) to an estimated 84.483 \u20ac a year (around 7.040 \u20ac a month) in 2027, according to the PKV-Verband. That is an increase of roughly 9 %, well above the usual annual adjustment. The exact figure will be fixed by government regulation in autumn 2026.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Who is affected by the increase?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Mainly employees whose gross annual salary is above the 2026 threshold (77.400 \u20ac) but below the estimated 2027 figure. Under the 2026 rules they can choose private health insurance; under the 2027 rules they would have to wait until their salary catches up. It does not affect the self-employed, who have no income threshold, nor anyone whose private policy is already in force before 2027 \u2014 they keep their right.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Until when can I switch under the 2026 threshold?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Your notice to leave the public scheme (GKV) must be submitted by 30 September 2026 at the latest, because the law requires two full months' notice. Public cover then ends on 30 November and private cover starts on 1 December 2026, still under the 2026 rules.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Can I return to public insurance later on?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Yes, in certain situations: for example, if your salary as an employee drops below the applicable threshold, compulsory public insurance applies again. It is not automatic, and from age 55 the rules restrict it considerably, so it is worth understanding before you decide. And if you move away from Germany \u2014 back home or elsewhere \u2014 the German insurance obligation ends and the private contract can be cancelled or adapted.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Does the threshold apply to the self-employed?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"No. The Versicherungspflichtgrenze only applies to employees. Self-employed professionals and freelancers can choose private health insurance at any income level, before and after the 2027 increase.\"\n      }\n    }\n  ]\n}\n<\/script><\/p>\n<div class=\"brx-art\">\n<p><span class=\"brx-eyebrow\">Reform passed \u00b7 Information guide<\/span><\/p>\n<p class=\"brx-lead\">On 10 July 2026, the Bundestag and the Bundesrat passed Germany&#8217;s reform of public health insurance funding: the <em>GKV-Beitragssatzstabilisierungsgesetz<\/em>. 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 than in a normal year. This guide explains what that threshold is, how much it rises, who it affects and which dates actually matter.<\/p>\n<h2>What the Versicherungspflichtgrenze is \u2014 and why it matters<\/h2>\n<p>Germany runs two health insurance systems side by side: the public scheme (GKV, <em>gesetzliche Krankenversicherung<\/em>) and the private one (PKV, <em>private Krankenversicherung<\/em>). Most employees are required to be insured in the public scheme. That obligation ends once your gross annual salary passes a specific figure: the <strong>Versicherungspflichtgrenze<\/strong>, also known as the <em>Jahresarbeitsentgeltgrenze<\/em> (JAEG).<\/p>\n<p>Earn above that threshold and you are free to choose: stay in the public scheme as a voluntary member, or take out private insurance. That is why this figure matters so much \u2014 it is not a tax or a contribution rate, it is the doorway to having a choice at all.<\/p>\n<h2>How much it rises in 2027: the figure, in context<\/h2>\n<p>Until now, the threshold has risen each year roughly in line with wages. What is new in this reform is an extraordinary increase added on top of the usual annual adjustment. The result, according to the estimate from the PKV-Verband (the association of Germany&#8217;s private insurers), looks like this:<\/p>\n<div class=\"brx-table-wrap\">\n<table class=\"brx-table\">\n<tr>\n<th>Year<\/th>\n<th>Annual threshold (gross)<\/th>\n<th>Monthly equivalent<\/th>\n<\/tr>\n<tr>\n<td>2026<\/td>\n<td>77.400 \u20ac<\/td>\n<td>6.450 \u20ac<\/td>\n<\/tr>\n<tr>\n<td>2027 (estimate)<\/td>\n<td>\u2248 84.483 \u20ac<\/td>\n<td>\u2248 7.040 \u20ac<\/td>\n<\/tr>\n<\/table>\n<\/div>\n<p class=\"brx-tablenote\">The 2027 figure is a PKV-Verband estimate \u2014 around 9 % above 2026. The definitive amount will be fixed by government regulation in autumn 2026.<\/p>\n<p>For perspective: in a normal year, the step from one threshold to the next is usually around 4\u20135 %. Here we are looking at roughly double that, because the law adds an extraordinary increase to the standard adjustment. In practice, a band of salaries that qualifies for private insurance in 2026 will fall below the threshold in 2027.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"brx-img\" src=\"https:\/\/bramexplus.com\/wp-content\/uploads\/2026\/07\/16.jpg\" alt=\"Versicherungspflichtgrenze 2027: the threshold that decides who can choose private health insurance\" width=\"800\" height=\"450\" loading=\"lazy\"><\/p>\n<div class=\"brx-callout\">\n<span class=\"brx-callout-title\">The other side of the same reform<\/span><\/p>\n<p>The law does not only move this threshold: it also raises the contribution ceiling of the public scheme, which makes the GKV more expensive for higher earners. We cover it in detail in <a href=\"https:\/\/bramexplus.com\/en\/gkv-increase-2027-contribution-ceiling\/\">what changes if you earn above the GKV contribution ceiling<\/a>.<\/p>\n<p><!-- VERIFICAR SLUG EN del post GKV antes de publicar -->\n<\/div>\n<h2>Who it affects (and who it doesn&#8217;t)<\/h2>\n<p><strong>Employees above the threshold.<\/strong> This is the group whose rules change. If your gross annual salary is above the 77.400 \u20ac of 2026 but would sit below the estimated 2027 figure, this year you still meet the condition for choosing private insurance; from 2027, you would need to wait until your salary reaches the new threshold.<\/p>\n<p><strong>Self-employed professionals and freelancers.<\/strong> No income threshold applies to them at all: they can choose private insurance on any income, before and after the reform. The 2027 increase changes nothing for them.<\/p>\n<p><strong>Anyone already privately insured.<\/strong> If your private policy is in force before 2027 begins, you keep your right: the higher threshold does not affect you and does not push you back into the public scheme. The law protects the position of those who have already chosen.<\/p>\n<h2>The timeline, explained: why 30 September is the date that counts<\/h2>\n<p>Switching from public to private insurance is not instant: the law requires you to give your public insurer (Krankenkasse) two full months&#8217; notice, counted to the end of a month. That produces a very specific timeline for anyone who wants to switch under the 2026 rules:<\/p>\n<ul class=\"brx-timeline\">\n<li><span class=\"brx-timeline-date\">By 30 September 2026<\/span><span class=\"brx-timeline-text\">Submit your notice to the GKV. It is the last day that leaves room to complete the switch this year.<\/span><\/li>\n<li><span class=\"brx-timeline-date\">30 November 2026<\/span><span class=\"brx-timeline-text\">Public cover ends, once the two months&#8217; notice have run.<\/span><\/li>\n<li><span class=\"brx-timeline-date\">1 December 2026<\/span><span class=\"brx-timeline-text\">Private cover begins \u2014 still under the 2026 access conditions.<\/span><\/li>\n<\/ul>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"brx-img\" src=\"https:\/\/bramexplus.com\/wp-content\/uploads\/2026\/07\/15.jpg\" alt=\"Timeline for switching to the PKV: notice in September, cover from December\" width=\"800\" height=\"450\" loading=\"lazy\"><\/p>\n<p>This is not a marketing countdown: it is an administrative deadline that follows from the legal notice period. Which is exactly why it is best not left to the last minute \u2014 comparing offers, completing the health questionnaire and receiving the insurer&#8217;s confirmation all take weeks. Our page on <a href=\"https:\/\/bramexplus.com\/en\/pkv-2027\/\">the 2026 window for switching to private health insurance<\/a> walks you through the process step by step.<\/p>\n<h2>What to weigh up before deciding<\/h2>\n<p>Being allowed to choose does not automatically make private insurance your best option \u2014 nor the opposite. The answer depends entirely on your case, and these are the questions worth having answered before you sign anything:<\/p>\n<ul>\n<li>What would you really pay in the PKV at your age, with your health record and the cover you actually need \u2014 and how does that compare with what you pay into the GKV today?<\/li>\n<li>How does your family situation fit in: partner, children, who is insured with whom?<\/li>\n<li>Which benefits genuinely matter to you \u2014 dental, hospital, medication, reimbursements \u2014 and which tariff includes them without paying for things you will never use?<\/li>\n<li>What would happen if your situation changes later on: a change in salary, a career break, or moving back home?<\/li>\n<\/ul>\n<p>Every one of these questions has an answer \u2014 but not the same one for everyone. That is why we review each case individually: we look at your situation, compare the offers on the market and answer all your questions before you decide anything. And if the conclusion is that this insurance is not the right fit for you, we will tell you exactly that \u2014 sometimes the right answer for your situation is a different one.<\/p>\n<h3>The reform&#8217;s other measures, one line each<\/h3>\n<p>The same law brings further changes within the public scheme: prescription co-payments rise to between 7,50 \u20ac and 15 \u20ac per prescription, the subsidy for dentures is reduced and, from 2028, free co-insurance for a spouse or partner no longer applies in every case (exceptions remain, for instance with children under 12). These are side issues for this decision, but they complete the picture: the public scheme will get somewhat more expensive and cover somewhat less.<\/p>\n<h2>Frequently asked questions about the Versicherungspflichtgrenze 2027<\/h2>\n<div class=\"brx-faq\">\n<details>\n<summary>How much does the Versicherungspflichtgrenze rise in 2027?<\/summary>\n<div class=\"brx-faq-a\">\n<p>It goes from 77.400 \u20ac a year in 2026 (6.450 \u20ac a month) to an estimated 84.483 \u20ac a year (around 7.040 \u20ac a month) in 2027, according to the PKV-Verband. That is an increase of roughly 9 %, well above the usual annual adjustment. The exact figure will be fixed by government regulation in autumn 2026.<\/p>\n<\/div>\n<\/details>\n<details>\n<summary>Who is affected by the increase?<\/summary>\n<div class=\"brx-faq-a\">\n<p>Mainly employees whose gross annual salary is above the 2026 threshold (77.400 \u20ac) but below the estimated 2027 figure. Under the 2026 rules they can choose private health insurance; under the 2027 rules they would have to wait until their salary catches up. It does not affect the self-employed, who have no income threshold, nor anyone whose private policy is already in force before 2027 \u2014 they keep their right.<\/p>\n<\/div>\n<\/details>\n<details>\n<summary>Until when can I switch under the 2026 threshold?<\/summary>\n<div class=\"brx-faq-a\">\n<p>Your notice to leave the public scheme (GKV) must be submitted by 30 September 2026 at the latest, because the law requires two full months&#8217; notice. Public cover then ends on 30 November and private cover starts on 1 December 2026, still under the 2026 rules.<\/p>\n<\/div>\n<\/details>\n<details>\n<summary>Can I return to public insurance later on?<\/summary>\n<div class=\"brx-faq-a\">\n<p>Yes, in certain situations: for example, if your salary as an employee drops below the applicable threshold, compulsory public insurance applies again. It is not automatic, and from age 55 the rules restrict it considerably, so it is worth understanding before you decide. And if you move away from Germany \u2014 back home or elsewhere \u2014 the German insurance obligation ends and the private contract can be cancelled or adapted.<\/p>\n<\/div>\n<\/details>\n<details>\n<summary>Does the threshold apply to the self-employed?<\/summary>\n<div class=\"brx-faq-a\">\n<p>No. The Versicherungspflichtgrenze only applies to employees. Self-employed professionals and freelancers can choose private health insurance at any income level, before and after the 2027 increase.<\/p>\n<\/div>\n<\/details>\n<\/div>\n<div class=\"brx-cta\">\n<h2>In the salary band? Find out whether switching makes sense for you<\/h2>\n<p>We are an independent insurance broker and we advise you in English: we look at your situation, compare the offers on the market and tell you whether the switch is worth it for you \u2014 and if it is not, we will tell you that too. The advice is personalised, free of charge and comes with no obligation.<\/p>\n<p><a class=\"brx-cta-btn\" href=\"https:\/\/bramexplus.com\/en\/pkv-2027\/\">Tell us your situation and we&#8217;ll guide you before the 2027 change<\/a>\n<\/div>\n<p>And if you would first rather understand the system properly \u2014 how the PKV works, what it covers, what it costs and how it compares with the public scheme \u2014 you will find the full picture in our guide to <a href=\"https:\/\/bramexplus.com\/en\/private-health-insurance-germany\/\">private health insurance in Germany<\/a>.<\/p>\n<p><!-- VERIFICAR SLUG EN de la pillar antes de publicar --><\/p>\n<div class=\"brx-sources\">\n<p><strong>Official sources:<\/strong> <a href=\"https:\/\/www.bundestag.de\/dokumente\/textarchiv\/2026\/kw28-de-gkv-1184352\" target=\"_blank\" rel=\"noopener\">Bundestag \u2014 passage of the reform<\/a> \u00b7 <a href=\"https:\/\/www.pkv.de\/verband\/presse\/meldungen\/versicherungspflichtgrenze-wechsel-in-die-pkv-wird-weiter-erschwert\/\" target=\"_blank\" rel=\"noopener\">PKV-Verband \u2014 Versicherungspflichtgrenze estimate<\/a> \u00b7 <a href=\"https:\/\/www.bundesgesundheitsministerium.de\/ministerium\/meldungen\/bundestag-beschliesst-gkv-beitragssatzstabilisierunggesetz-pm-10-07-2026\" target=\"_blank\" rel=\"noopener\">Federal Ministry of Health (BMG) \u2014 statement on the law<\/a><\/p>\n<p>This article is for information purposes and does not replace individual advice. The 2027 threshold is a PKV-Verband estimate and will be fixed officially by regulation in autumn 2026; we will update this article once it is published.<\/p>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Reform passed \u00b7 Information guide On 10 July 2026, the Bundestag and the Bundesrat passed Germany&#8217;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 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3117,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[26],"tags":[],"class_list":["post-3118","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Versicherungspflichtgrenze 2027: the increase, explained<\/title>\n<meta name=\"description\" content=\"The Versicherungspflichtgrenze rises in 2027. 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