The Federal Ministry of Health has set the average additional contribution rate for 2027 at 2.9% – the same as in 2026. It is based on the estimate of the GKV estimating group from 14 October 2026. The figure is officially published in the Federal Gazette (Bundesanzeiger).
What the 2.9% means: The figure is a reference value, not a price. Each health insurer sets its own additional contribution. Already today, 71 of 91 insurers that charge an additional contribution are above 2.9%; the range goes from 2.18% to 4.39% (list of health insurers of the GKV-Spitzenverband, as of 26 October 2026). At €4,000 gross, one percentage point of difference is €20 a month – your share only, before tax.
When your insurer decides: Most insurers set their additional contribution for 2027 in November and December. If your insurer raises it on 1 January 2027, you can give notice until 31 January 2027 – even without the 12-month minimum membership. Since 30 July 2026, your insurer no longer has to inform you of an increase by letter, so check yourself in December what it will charge from January.
Source: Federal Ministry of Health, press release of 30 Oct 2026 · § 242a SGB V · list of health insurers of the GKV-Spitzenverband · own calculation · Additional contribution 2027: timeline