Health Funds in general
The Legal health insurances (GKV) are financed from January 2009 about a health fund. Accordingly the contributions of all GKV and besides tax money are paid from this time into this health fund. From that the distribution occurs to a homogeneous key at the health insurances. To the previous obligatory feature catalog for all GKV there is now another homogeneous membership rate of today 14,9 % for all GKV. Except for the Agricultural Health Insurances all GKV are bound in the health grounds by law. Simultaneously also the payment of the Ätzte and the medicine regulation are supposed to be controlled according to this regulation again. Since the doctors with their regulations get direct influence on the central allotments of the GKV, changed some cash boxes the fee agreements with the doctor participating in a health-insurance plan correspondingly. The GKV, that with the means, who receive it not manage, may raise an income-independent surcharge up to 8€ in addition to insured. The insured has in this case a special right to give notice. This surcharge must only be carried by the insureds. The employers do not pay anything here too. Also resin IV receivers must pay according to recent information this contribution itself, the cash change, or that provide proof, that a cash change is not possible.
The health fund is supposed to provide, that the GKV to the more economical one manage are stopped. Simultaneously uneconomical GKV are supposed to disappear from the market so that there are supposed to be in future less Legal Health Insurances.
The previous development since the introduction of the health ground led in some cases to cash alliances. This shrinkage keeps on being supposed to go in the coming years so that there will be less than 100 GKV in some years. The employers were unburdened with the new regulations at the expense of the employees. In opinion of the parties of CDU ruling today, CSU, and FDP all future premium increases of the health insurances are supposed to be borne by the insureds (Employees and pensioners) alone. Through the previous politics of the new Federal Government, where contribution-independent health insurance contributions are spoken of in future and a deterioration of the available income of the lower content groups interprets the contribution-independent addition contribution itself oncoming, up to the old people and sick in our society at. According to assessment of doctors settled down the supply worsened especially from sick children and cancer patients within the GKV, or they must produce higher personal investments. If nothing is changed here, in continuation of the future regulations the scissors go out to the health fund still further richly between poor and. Also the trade unions referred to these problems and demanded already previously a course correction for the discussion above the health grounds. Nevertheless the changed political relations in the government and one of FDP health ministers can result even in the health fund being changed in such a way when the contributions are supposed to be financed exclusively in future about head lump sums.
Further informations in German can be found here.
Further informations in French can be found here.