{"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":"aumento-de-las-cotizaciones-a-la-seguridad-social","status":"publish","type":"faq","link":"https:\/\/www.consultinghouse.eu\/es\/faq\/increase-in-social-security-contributions\/","title":{"rendered":"\u00bfCu\u00e1les son los nuevos umbrales para los pagos de la Seguridad Social?"},"content":{"rendered":"<h2 class=\"wp-block-heading\"><strong>Nuevos umbrales clave (mensuales\/anuales):<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><br><p>Tasa de cotizaci\u00f3n a la pensi\u00f3n y a la seguridad social de desempleo: 8.450 \u20ac \/ 101.400 \u20ac anuales.<\/p><br><\/li>\n\n\n\n<li><br><p>Tasa de contribuci\u00f3n a la seguridad social y a la atenci\u00f3n sanitaria a largo plazo: 5.812,50 \u20ac \/ 69.750 \u20ac anuales.<\/p><br><\/li>\n\n\n\n<li><br><p>Umbral de obligaci\u00f3n de seguro para la salud obligatoria: 6.450 \u20ac \/ 77.400 \u20ac anuales.<\/p><br><\/li>\n\n\n\n<li><br><p>Valor de referencia utilizado para diversos c\u00e1lculos de beneficios: \u20ac3.955 \/ \u20ac47.460 anuales<\/p><br><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Estos ajustes significan: Las personas que ganen m\u00e1s que los l\u00edmites anteriores podr\u00edan pagar m\u00e1s (o alcanzar el l\u00edmite antes), mientras que los c\u00e1lculos de las prestaciones vinculados a dichos umbrales se adaptar\u00e1n en consecuencia.<\/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. El impacto financiero:<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">El aumento de los Cuantificadores de Contribuci\u00f3n (BBG) significa que una mayor parte del salario bruto de una persona con un alto nivel de ingresos est\u00e1 sujeta a contribuciones obligatorias a la seguridad social.<\/p>\n\n\n\n<ul data-path-to-node=\"10\">\n<li>\n<p data-path-to-node=\"10,0,0\"><strong>Seguro de pensiones y de desempleo (BBG: 101.400 \u20ac):<\/strong> Este l\u00edmite, aplicable de forma uniforme en toda Alemania, ha experimentado un aumento significativo. Las personas que ganan m\u00e1s de lo permitido ahora tendr\u00e1n que pagar las cotizaciones a la pensi\u00f3n y a la incapacidad laboral con un ingreso mensual m\u00e1s alto, lo que provocar\u00e1 un aumento general de las deducciones. En consecuencia, las cotizaciones del empleador tambi\u00e9n aumentar\u00e1n, lo que aumentar\u00e1 los costos de personal.<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>Seguro de Salud y Atenci\u00f3n a Largo Plazo (BBG: \u20ac69.750):<sup data-turn-source-index=\"4\" data-hsprotect_ngcontent-ng-c589797526=\"\"><\/sup><\/strong> De manera similar, el ingreso m\u00e1ximo sujeto a estas cotizaciones se ha incrementado. Dado que las tarifas de la Asistencia Sanitaria (tarifa b\u00e1sica m\u00e1s la tarifa complementaria espec\u00edfica para cada fondo) a menudo superan los 17% \u20ac, esta subida del BBG se traduce directamente en un importe m\u00e1ximo de prima m\u00e1s alto pagado por los empleados y los empleadores.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<div class=\"hs-callout-type-tip\" data-hs-callout-type=\"tip\">\n<p>En esencia, las personas que ganen m\u00e1s de los nuevos l\u00edmites experimentar\u00e1n un aumento en sus retenciones mensuales a la Seguridad Social, ya que el l\u00edmite m\u00e1ximo fija la parte del salario sobre la cual se calculan las contribuciones.<\/p>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">2. Seguro m\u00e9dico privado:<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">El <strong>Umbral de seguro obligatorio<\/strong> (JAEG) es la l\u00ednea divisoria fundamental entre los sistemas de seguro m\u00e9dico p\u00fablico y privado.<\/p>\n\n\n\n<ul data-path-to-node=\"14\">\n<li>\n<p data-path-to-node=\"14,0,0\"><strong>Nueva JAEG: 77.400 \u20ac Anualmente:<sup data-turn-source-index=\"5\" data-hsprotect_ngcontent-ng-c589797526=\"\"><\/sup><\/strong> El empleado ahora debe obtener una renta anual regular <strong>excediendo los 77.400 \u20ac<\/strong> ser exento de la obligaci\u00f3n de contratar una p\u00f3liza de seguro de salud obligatoria (<em>GKV<\/em>). Solo al cruzar este umbral un empleado puede optar por cambiar a un seguro de salud privado (<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>Conclusi\u00f3n: El importante aumento del JAEG a 77.400 \u20ac eleva el nivel de exigencia para acceder a la cobertura privada de salud. Los empleados que podr\u00edan haber calificado bajo el umbral de 2025, pero cuyo salario actual se encuentra entre los l\u00edmites de 2025 y 2026, seguir\u00e1n (o se convertir\u00e1n en) asegurados de forma obligatoria en el sistema p\u00fablico.<\/p>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">3. El Valor de Referencia<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">El <strong>Valor de referencia (\u20ac3.955 mensuales \/ \u20ac47.460 anuales)<\/strong> sirve como base para calcular muchas otras cifras clave en el sistema social, especialmente en los estados de Alemania Oriental.<\/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\">Impacto<strong>:<\/strong> Este valor de referencia se utiliza para calcular las contribuciones de los trabajadores por cuenta propia y de los afiliados a los seguros voluntarios, as\u00ed como los diversos montos de prestaciones (por ejemplo, las prestaciones parentales). Este ajuste garantiza que estas cifras relacionadas sigan el ritmo del desarrollo general de los salarios en todo el pa\u00eds.<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Para 2026, el gobierno actualiz\u00f3 los llamados umbrales clave de la seguridad social. Estas actualizaciones incluyen cambios en los umbrales de evaluaci\u00f3n de las cotizaciones y en el umbral de la seguridad obligatoria.<\/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 v28.8 - 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=\"Read about the German social security thresholds discussed for 2026 and their relevance to payroll contribution calculations.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.consultinghouse.eu\/es\/faq\/aumento-de-las-cotizaciones-a-la-seguridad-social\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What are the new thresholds for Social Insurance Contributions? 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