Most health insurers only decide their additional contribution for 2027 in December. Six have already made public statements – none of them intends to raise it. None of them mentions a formal decision for 2027, and almost all attach conditions to their statement. We add new announcements here as soon as an insurer publishes them.
| Insurer | 2026 | 2027 according to the insurer | Condition / as of |
|---|---|---|---|
| BKK firmus | 2.18% | at most 2.18% | provided lawmakers make no further fundamental changes to how insurers are financed (18.08.) |
| AOK Sachsen-Anhalt | 2.89% | 2.89% | if the federal government continues its course (08.10.) |
| IKK gesund plus | 3.39% | 3.39% | “decision already made with the merger”, as things stand today (02.10.) |
| energie-BKK | 3.98% | reduction likely, amount open | administrative board decides on 09.12. (04.11.) |
| BKK Groz-Beckert | 4.20% | 4.20% | calculated this way, if the stabilisation act takes effect (increase on 01.10.) |
| BKK24 | 4.39% | reduction planned, amount open | amount to be set in December (29.09.) |
Availability: BKK firmus and AOK Sachsen-Anhalt only regionally, BKK Groz-Beckert only for employees of certain companies, the others nationwide. Dates in brackets are the dates of the announcements.
And the 2.9% average? The Federal Ministry of Health set it for 2027 – it is a reference value, not a price. In fact insurers charge more on average: at the start of 2026 the average additional contribution actually charged was 3.36%, according to data from the GKV-Spitzenverband.
What this means for you: “Stays stable” or “goes down” does not mean cheap – what matters is the rate compared with other insurers. If your insurer raises its rate on 1 January, you can give notice until 31 January 2027, even without 12 months of membership. Because insurers currently don't have to write to you about it, check yourself in December. All current rates are in our list of all additional contributions; benefits differ, compare contributions and benefits.
Sources: BKK firmus, 18.08.2026 · AOK Sachsen-Anhalt, 08.10.2026 · IKK gesund plus, 02.10.2026 · energie-BKK, 04.11.2026 · BKK Groz-Beckert · BKK24, 29.09.2026 · 2026 rates: list of health insurers published by the GKV-Spitzenverband · Average actually charged: Ärzteblatt, 02.01.2026 · Average 2027