Federal authorities at the Internal Revenue Service are attributing the overfunding of health insurance to the state's actions.
The Ifo Institute has proposed a ten-point reform plan to stabilise employer and contribution obligations in a multi-billion euro savings plan. The plan aims to address the challenges of pension financing, including demographic changes and the limits of current pension policy to prevent insolvency.
The plan focuses on realistic pension level adjustments, contribution rate management, and reducing the federal budget burden to ensure the sustainability of the statutory pension insurance system.
Meanwhile, in the health insurance sector, the Techniker Krankenkasse (TK) has once again taken a proactive stance against the health insurance crisis. Jens Baas, CEO of TK, stated that the federal government must act immediately to stop the cost spiral in the health insurance sector.
According to a report by the Federal Audit Office, the financial situation of the GKV is increasingly burdening policyholders and employers. The report confirms the worsening financial situation of statutory health insurance, with the gap between income and expenditure growing annually by 6 to 8 billion euros.
This could result in an annual billion-euro deficit for health insurance companies, and the revenues of these companies are expected to continue falling short of their expenses in the future.
In response, Jens Baas presented a catalog of ten immediate measures to address the health insurance crisis. These measures, particularly in the area of pharmaceuticals, could potentially save around three billion euros in the short term.
The crisis of health insurance companies is becoming increasingly expensive for policyholders, with the average additional contribution rate for policyholders expected to increase by 0.3 percentage points per year due to the deficit. The contributions of other social security systems are also expected to increase by almost 1.5 percentage points to 42.3 percent by 2025.
The report of the Federal Audit Office was welcomed by the Techniker Krankenkasse, and Jens Baas emphasized the need for fundamental reforms for a long-term stabilization of the healthcare system.
The German Federal Audit Office has criticized the federal government for its inactivity in addressing the health insurance crisis, and the federal government is planning to establish an expert commission to address the issue, but these plans are being criticized for moving too slowly.
Jens Baas' statements were made to inFranken.de on Tuesday, August 19. The Ifo Institute's pension reform plan, along with the TK's health insurance savings plan, highlight the urgency for action to address these pressing issues in Germany.
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