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Numerous statutory health insurance companies will continue to demand an additional contribution from the insured in 2011. Further health insurance companies will follow because the federal government is planning to dismantle the parity health system.
(20.08.2010) In 2011, numerous health insurance companies will continue to demand an additional contribution from their members. Because despite the planned health care reform, the financial worries of the health insurers will not be eliminated. The health insurance companies try to compensate for their high expenses with the additional contribution. Cash registers that already require an additional contribution have announced that they will continue to do so in 2011. Other health insurers, on the other hand, swear that they do not want to make any additional contributions from the insured until at least the middle of next year. But smaller funds in particular have no other option than either to merge with other funds and / or to introduce additional contributions.
It is already foreseeable that the planned increased general contribution rate of 15.5 percent will not solve the financial worries of the statutory funds. People are getting older and the pharmaceutical industry is throwing more and more medicines onto the market in order to serve rising disease rates. Because more and more people are suffering from the increasing work stress. As a result, the proportion of mental illnesses is continuously increasing. The proportion of chronic diseases is also increasing due to demographic change. In addition, people in the western world eat so poorly that a significant increase in diseases can also be observed here. The result: diseases such as diabetes develop into widespread diseases, the costs of health insurance companies rise massively.
All in all, no rosy prospects for the health insurance companies. Nevertheless, the federal government plans to lure contributors who earn above average earnings and are still young into private health insurance. Here the change should be made considerably easier. Statutory health insurance plans are also no longer allowed to offer electoral tariffs according to plans of the health care reform. "High earners" then have (almost) no reason to remain in the legal system. The result: The health insurance companies lack precisely the "high earners" who create social compensation within the health insurance fund.
However, many people do not want to accept the burden of the additional contribution and refuse to pay. According to agency reports, around one million people are currently refusing the additional contribution. But here, too, the federal government wants to force people to make up for late payments. If you don't pay, you should pay a so-called penalty for late payments of up to 225 euros.
At the beginning of the year, the federal government announced that increasing the contributions would very likely also formally abolish the additional contribution. But the opposite trend can be observed here. Politically, the additional contribution as an income-independent component in cash financing is definitely wanted. For this reason, it was also announced in the middle of the year that, as part of the health care reform, it would be up to the health insurance funds to decide how much the additional contributions could be increased in 2011. On this point, many health insurance companies will not be able to increase the additional contributions significantly. The health insurance patients then lose out, who can only defend themselves by changing their health insurance.
From all of these points of view, it is therefore likely that other health insurance companies will also make an additional contribution. Here it can be said that the black-yellow coalition shows a clear interest in weakening the original health system. The competition between the health insurances is supposed to increase, insured persons are supposed to share significantly more in the health costs and the private health insurance is strengthened financially. That means the end of the equal system of health care in Germany. And nobody really gets it. (sb)