With statutory health insurance contributions set to increase in January 2026, we look at how the proposed increases could affect your wallet – and what steps you can take to keep the financial impact to a minimum.

Foreign residents in Germany are facing significant changes to their health insurance contributions from January 2026, following warnings from statutory health insurance providers (Gesetzliche Krankenversicherung, GKV) and recent government announcements.

Here’s what you need to know about the projected increases, who will be affected, and what you can do to manage the impact.

Why are health insurance costs rising?

Germany’s statutor