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Health insurer mergers 2027: mkk and BKK Pfalz, BKK firmus and BKK Rieker • RICOSTA • Weisser

29.10.2026 · Health insurers · Mergers

Two pairs of health insurers plan to merge on 1 January 2027, while several planned mergers have been called off. Overview as of 29 October 2026:

Planned for 1 January 2027: mkk – meine krankenkasse and BKK Pfalz are merging under the name mkk – meine krankenkasse (decision of the boards, announced 10 July 2026). BKK firmus and BKK Rieker • RICOSTA • Weisser are merging under the name BKK firmus (decision announced 2 October 2026). Both mergers still need approval from the Federal Office for Social Security (Bundesamt für Soziale Sicherung).

Cancelled: vivida bkk and BKK Scheufelen will not merge and stay separate (announcement of 12 October 2026). Back in May, BIG direkt gesund and Salus BKK had already dropped their merger plans.

Later, and already done: BKK firmus and Heimat Krankenkasse have signed a letter of intent; the merger is planned for 1 July 2027. IKK Brandenburg und Berlin has been part of IKK gesund plus since 1 October 2026.

What this means for you: You don't need to do anything – in a merger your membership transfers automatically to the new insurer. There is no special right of termination (Sonderkündigungsrecht) just because of a merger. If the insurer raises its additional contribution, you can switch using the special right of termination as usual. If you have been a member for at least 12 months, you can switch anyway. Benefits differ, so compare contributions and benefits.

Source: mkk, 10.07.2026 · BKK firmus, 02.10.2026 · vivida bkk, 12.10.2026 · BIG direkt gesund · BKK firmus, 21.08.2026 · IKK gesund plus, 02.10.2026 · § 155 SGB V

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