Health insurance and additional contributions: How expensive is your insurance compared - Millions in Germany hit by rising health insurance costs in 2026

Many Germans now face higher health insurance costs after dozens of providers increased their rates. At the start of 2026, 42 out of 93 statutory health insurers raised their additional contribution charges. The changes push the average rate to 3.36%, with some insurers charging as much as 4.39%.

The latest adjustments mark a noticeable shift in health insurance premiums. Of the 93 statutory insurers, 48 kept their rates the same, while only two reduced them. One provider’s data remains unavailable.

The Hanseatische Krankenkasse (HEK) is among those that raised charges. The new rates now range from 2.18% to 4.39%, depending on the insurer. This means half of all health insurers have increased their additional contributions for policyholders. No official sources currently list providers that help customers switch plans. Available reports focus on the rate hikes rather than support services for those affected.

The premium increases will affect millions of policyholders across Germany. With the average additional contribution now at 3.36%, many will pay more for the same coverage. Those seeking alternatives may need to research switching options independently.