{"id":5905,"date":"2026-09-11T10:16:53","date_gmt":"2026-09-11T08:16:53","guid":{"rendered":"https:\/\/ch.schubwerk.eu\/faq\/increase-in-social-security-contributions\/"},"modified":"2026-10-06T12:52:16","modified_gmt":"2026-10-06T10:52:16","slug":"increase-in-social-security-contributions","status":"publish","type":"faq","link":"https:\/\/www.consultinghouse.eu\/es\/faq\/increase-in-social-security-contributions\/","title":{"rendered":"What are the new thresholds for Social Insurance Contributions?"},"content":{"rendered":"<h2 class=\"wp-block-heading\"><strong>Key new thresholds (monthly\/yearly):<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><br><p>Pension and unemployment insurance contribution ceiling: \u20ac8,450 \/ \u20ac101,400 annually.<\/p><br><\/li>\n\n\n\n<li><br><p>Health &amp; long-term-care insurance contribution ceiling: \u20ac5,812.50 \/ \u20ac69,750 annually.<\/p><br><\/li>\n\n\n\n<li><br><p>Insurance-obligation threshold for statutory\u00a0health insurance: \u20ac6,450 \/ \u20ac77,400 annually.<\/p><br><\/li>\n\n\n\n<li><br><p>Reference value\u00a0used for various benefit calculations: \u20ac3,955 \/ \u20ac47,460 annually<\/p><br><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">These adjustments mean: People earning above previous ceilings may pay more (or reach the cap sooner), while benefit calculations tied to such thresholds will adapt accordingly.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n\n\n<h2 class=\"wp-block-heading\">1. The Financial Impact:<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The increase in the Contribution Assessment Ceilings (BBG) means that a larger portion of a high earner\u2019s gross salary is subject to mandatory social insurance contributions.<\/p>\n\n\n\n<ul data-path-to-node=\"10\">\n<li>\n<p data-path-to-node=\"10,0,0\"><strong>Pension and Unemployment Insurance (BBG: \u20ac101,400):<\/strong> This ceiling, applicable uniformly across Germany, has seen a substantial jump. Employees earning above the previous limit will now pay pension and unemployment contributions on a higher monthly income, resulting in increased overall deductions. Consequently, employer contributions also rise, increasing personnel costs.<sup data-turn-source-index=\"3\" data-hsprotect_ngcontent-ng-c589797526=\"\"><\/sup><\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"10,1,0\"><strong>Health and Long-Term Care Insurance (BBG: \u20ac69,750):<sup data-turn-source-index=\"4\" data-hsprotect_ngcontent-ng-c589797526=\"\"><\/sup><\/strong> Similarly, the maximum income subject to these contributions has increased. Since Health Insurance rates (basic rate plus fund-specific supplementary rate) often exceed 17%, this BBG hike translates directly into a higher maximum premium paid by employees and employers.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<div class=\"hs-callout-type-tip\" data-hs-callout-type=\"tip\">\n<p>In essence, individuals earning above the new ceilings will experience a rise in their monthly Social Security deductions, as the ceiling caps the salary portion on which contributions are calculated.<\/p>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">2. Private Health Insurance:<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The <strong>Compulsory-Insurance Threshold<\/strong> (JAEG) is the key dividing line between the public and private health insurance systems.<\/p>\n\n\n\n<ul data-path-to-node=\"14\">\n<li>\n<p data-path-to-node=\"14,0,0\"><strong>New JAEG: \u20ac77,400 Annually:<sup data-turn-source-index=\"5\" data-hsprotect_ngcontent-ng-c589797526=\"\"><\/sup><\/strong> An employee must now earn a regular annual income <strong>exceeding \u20ac77,400<\/strong> to be exempt from mandatory statutory health insurance (<em>GKV<\/em>). Only upon crossing this threshold can an employee choose to switch to private health insurance (<em>PKV<\/em>).<\/p>\n<\/li>\n<\/ul>\n\n\n\n<div class=\"hs-callout-type-tip\" data-hs-callout-type=\"tip\">\n<p>Implication: The significant increase in the JAEG to \u20ac77,400 raises the bar for accessing private health insurance. Employees who may have qualified under the 2025 ceiling, but whose current salary falls between the 2025 and 2026 limits, will remain (or become) mandatorily insured in the public system.<\/p>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">3. The Reference Value<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The <strong>Reference Value (\u20ac3,955 monthly \/ \u20ac47,460 annually)<\/strong> serves as a basis for calculating many other key figures in the social system, particularly in the East German states.<\/p>\n\n\n\n<div class=\"hs-callout-type-tip\" data-hs-callout-type=\"tip\">\n<p data-path-to-node=\"17,0,0\">Impact<strong>:<\/strong> This reference value is used to calculate contributions for self-employed individuals&nbsp;and those in voluntary insurance, as well as various benefit amounts (e.g., parental benefits). The adjustment ensures that these related figures keep pace with the general&nbsp;wage development across the country.<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>For 2026, the government updated the so-called key thresholds for social insurance. These updates include changes to the contribution assessment ceilings and the compulsory-insurance threshold.<\/p>","protected":false},"template":"","faq_category":[14],"class_list":["post-5905","faq","type-faq","status-publish","hentry","faq_category-employing-in-germany"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>What are the new thresholds for Social Insurance Contributions? - Consultinghouse<\/title>\n<meta name=\"description\" content=\"For 2026, the government updated the so-called key thresholds for social insurance. 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