Coalition plans to abolish free co-insurance for spouses

The German federal government plans to eliminate free co-insurance for spouses in statutory health and long-term care insurance. The move aims to plug budget shortfalls at health insurance funds and will make coverage more expensive for many families. Handelsblatt learned of this from coalition sources.

Reports from Berlin indicate that statutory health and long-term care insurance could become noticeably more expensive for many families. Millions of statutorily insured individuals currently benefit from free co-insurance for their spouses. The coalition aims to abolish this provision to address budget shortfalls at the health insurance funds. Handelsblatt obtained this information from coalition circles. Economists have praised the planned measure.

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Press conference photo of health insurance chief Andreas Gassen calling for abolition of voluntary services to save 1 billion euros amid 12 billion euro gap.
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Health insurers' chief demands abolition of voluntary services

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Andreas Gassen, chairman of the Kassenärztliche Bundesvereinigung, calls for the complete elimination of voluntary additional services provided by statutory health insurance funds to achieve savings. He estimates the potential savings at nearly one billion euros per year. This comes amid a looming financing gap of twelve billion euros in the statutory health insurance system.

Markus Blumenthal-Beier, head of the German house doctors' association, calls on statutory health insurers to cut their administrative costs. He proposes halving them mid-term rather than restricting patient care. CSU politician Klaus Holetschek advises seeking cooperations and mergers.

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Following recent coalition consultations, Federal Health Minister Nina Warken expressed optimism about her savings package to ease pressure on health insurance funds. The mediation committee meets on December 17 to resolve the stalled law, averting potential contribution hikes for millions in 2026.

The SPD aims to reform inheritance tax to burden large fortunes more heavily while relieving smaller ones. The concept proposes a lifetime exemption of one million euros and raises the allowance for family businesses to five million euros. Business associations and the CDU criticize the plans as a burden on the middle class.

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The black-red coalition plans a comprehensive modernization of the social system to reduce bureaucracy and digitize processes. A commission with representatives from the federal government, states, and municipalities has developed 26 recommendations, which Federal Social Minister Bärbel Bas will present on Tuesday. Planned are fewer authorities, merged benefits, and automatic child benefit, without cuts to social assistance.

On the coming Monday, many pharmacies across Germany will close all day to protest for higher fees. Statutory health insurers criticize the action, accusing pharmacies of false claims since fees have risen since 2013.

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The Union and SPD have agreed on the key points of a new Building Energy Act, abolishing the existing heating law. Instead of a 65 percent requirement for renewables, there will be a gradual increase in climate-friendly shares for gas and oil heaters. The reform is set to take effect before July 1.

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