{"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":"augmentation-des-cotisations-a-la-securite-sociale","status":"publish","type":"faq","link":"https:\/\/www.consultinghouse.eu\/fr\/faq\/increase-in-social-security-contributions\/","title":{"rendered":"Quels sont les nouveaux seuils des cotisations \u00e0 l\u2019assurance sociale ?"},"content":{"rendered":"<h2 class=\"wp-block-heading\"><strong>Nouvelles limites cl\u00e9s (mensuelles\/annuelles) :<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><br><p>Limite des cotisations \u00e0 la pension et \u00e0 l\u2019assurance ch\u00f4mage : 8 450 \u20ac \/ 101 400 \u20ac par an.<\/p><br><\/li>\n\n\n\n<li><br><p>Limite des cotisations \u00e0 l\u2019assurance sant\u00e9 et soins de longue dur\u00e9e : 5 812,50 \u20ac \/ 69 750 \u20ac par an.<\/p><br><\/li>\n\n\n\n<li><br><p>Limite d\u2019obligation d\u2019assurance pour l\u2019assurance maladie obligatoire : 6 450 \u20ac \/ 77 400 \u20ac par an.<\/p><br><\/li>\n\n\n\n<li><br><p>Valeur de r\u00e9f\u00e9rence utilis\u00e9e pour les diff\u00e9rents calculs des prestations : 3 955 \u20ac \/ 47 460 \u20ac par an<\/p><br><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Ces ajustements signifient que les personnes gagnant un revenu sup\u00e9rieur aux plafonds pr\u00e9c\u00e9dents pourront payer davantage (ou atteindre le plafond plus t\u00f4t), tandis que les calculs des prestations li\u00e9s \u00e0 ces seuils s\u2019adapteront en cons\u00e9quence.<\/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. Les impacts financiers :<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019augmentation des plafonds d\u2019\u00e9valuation des cotisations (BBG) signifie que davantage de la masse salariale brute d\u2019un travailleur \u00e0 revenu \u00e9lev\u00e9 est assujettie \u00e0 des cotisations obligatoires \u00e0 l\u2019assurance sociale.<\/p>\n\n\n\n<ul data-path-to-node=\"10\">\n<li>\n<p data-path-to-node=\"10,0,0\"><strong>Pension et assurance ch\u00f4mage (BBG : 101 400 \u20ac) :<\/strong> Ce plafond, applicable de mani\u00e8re uniforme dans toute l\u2019Allemagne, a connu une hausse consid\u00e9rable. Les salari\u00e9s gagnant plus que le seuil pr\u00e9c\u00e9dent devront d\u00e9sormais payer des cotisations de retraite et d\u2019assurance ch\u00f4mage sur un revenu mensuel plus \u00e9lev\u00e9, ce qui entra\u00eenera des pr\u00e9l\u00e8vements globaux plus \u00e9lev\u00e9s. Par cons\u00e9quent, les cotisations patronales augmentent \u00e9galement, ce qui augmente les co\u00fbts salariaux.<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>Assurance sant\u00e9 et soins de longue dur\u00e9e (BBG : 69 750 \u20ac):<sup data-turn-source-index=\"4\" data-hsprotect_ngcontent-ng-c589797526=\"\"><\/sup><\/strong> De m\u00eame, le montant maximal des cotisations est pass\u00e9 \u00e0 un niveau plus \u00e9lev\u00e9. Comme les taux d\u2019assurance maladie (taux de base plus taux suppl\u00e9mentaire sp\u00e9cifique \u00e0 chaque fonds) d\u00e9passent souvent 17%, cette hausse de la BBG se traduit directement par un montant de prime maximal plus \u00e9lev\u00e9 pay\u00e9 par les salari\u00e9s et les employeurs.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<div class=\"hs-callout-type-tip\" data-hs-callout-type=\"tip\">\n<p>En somme, les personnes gagnant plus que les nouveaux plafonds subiront une hausse de leurs pr\u00e9l\u00e8vements sociaux mensuels, car le plafond limite la part du salaire sur laquelle les cotisations sont calcul\u00e9es.<\/p>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">2. Assurance sant\u00e9 priv\u00e9e :<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Le <strong>Limite d'assurance obligatoire<\/strong> (JAEG) est la ligne de partage entre les syst\u00e8mes d\u2019assurance maladie publics et priv\u00e9s.<\/p>\n\n\n\n<ul data-path-to-node=\"14\">\n<li>\n<p data-path-to-node=\"14,0,0\"><strong>Nouvelle JAEG : 77 400 \u20ac par an :<sup data-turn-source-index=\"5\" data-hsprotect_ngcontent-ng-c589797526=\"\"><\/sup><\/strong> Un employ\u00e9 doit d\u00e9sormais avoir un revenu annuel r\u00e9gulier <strong>exc\u00e9dant 77 400 \u20ac<\/strong> \u00eatre exempt\u00e9 de l'assurance maladie obligatoire (<em>GKV<\/em>). Seulement au-del\u00e0 de cette limite, un employ\u00e9 peut choisir de souscrire une assurance sant\u00e9 priv\u00e9e (<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>Impliqu\u00e9 : L\u2019augmentation significative du montant de l\u2019AJAE \u00e0 77 400 \u20ac \u00e9l\u00e8ve le seuil d\u2019acc\u00e8s \u00e0 l\u2019assurance sant\u00e9 priv\u00e9e. Les salari\u00e9s qui pourraient avoir \u00e9t\u00e9 \u00e9ligibles au plafond de 2025, mais dont le salaire actuel tombe entre les limites de 2025 et 2026, resteront (ou deviendront) couverts par l\u2019assurance obligatoire dans le syst\u00e8me public.<\/p>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">3. La valeur de r\u00e9f\u00e9rence<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Le <strong>Valeur de r\u00e9f\u00e9rence (\u20ac 3 955 mensuels \/ \u20ac 47 460 annuels)<\/strong> Il sert de base pour calculer de nombreuses autres donn\u00e9es cl\u00e9s du syst\u00e8me social, notamment dans les \u00c9tats de l'Est de l'Allemagne.<\/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> Cette valeur de r\u00e9f\u00e9rence est utilis\u00e9e pour calculer les cotisations des travailleurs ind\u00e9pendants et des personnes affili\u00e9es \u00e0 des r\u00e9gimes volontaires, ainsi que les montants des prestations diverses (par exemple, les prestations parentales). Cette correction assure que ces chiffres li\u00e9s restent \u00e0 la hauteur de l\u2019\u00e9volution g\u00e9n\u00e9rale des salaires dans tout le pays.<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Pour 2026, le gouvernement a actualis\u00e9 les pr\u00e9misses cl\u00e9s de l\u2019assurance sociale. Ces mises \u00e0 jour comprennent des modifications des plafonds d\u2019\u00e9valuation des cotisations et du seuil d\u2019assurance obligatoire.<\/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\/fr\/faq\/augmentation-des-cotisations-a-la-securite-sociale\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\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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