June 21, 2019, 07:15
With an amount of spending of over € 62 billion, legal health insurance funds achieved a deficit of around € 102 million in the first quarter of 2019. The final annual results of 2018, which were presented at the same time, showed a surplus of 2.09 billion euros – about 100 million euros more than in the interim data. However, the outlook shows that there is a strong trend that could cure medium-term burden on the funds.
"The data show that, despite the slight deficit, health insurance companies still have enough reserves, some – but not all – funds have finally reduced their additional contributions at the beginning of the year, now other funds should consistently use their space: or for better performance or for financial relief from their insured, "says federal health minister Jens Spahn (CDU).
Revenues and costs are almost the same
Revenues from the financial reserves of health insurance funds have left after the high growth surplus in the last 3 years at the end of March 2019 and remain around 21 billion euros. This means more than a month on average, which is more than four times the legal minimum reserve.
Revenue of about EUR 62.3 billion was offset by EUR 62.4 billion in expenditures. Thus, total health insurance revenue grew by 3.7 percent. Expenditures for services and administrative expenses increased by 4.5 percent, and the number of insured persons grew by about 0.6 percent. The average contribution rate of health insurers was 1.01 percent, 0.07 percentage points less than the same quarter last year.
Financial development by types of health insurance funds
In a differentiated consideration of the type of health insurance, the following picture appears: The general local health insurance (AOKen) recorded a surplus of EUR 89 million in the first quarter, EUR 26 million in Knappschaft-Bahn-See and EUR 9 million in agricultural health insurance.
Ersatzkassen achieved a deficit of EUR 151 million, EUR 59 million in Health Insurance Funds (BKKen), EUR 16 million in health insurance funds (IKKen). The Ersatzkassen (EKen) deficit is the only consequence of the corresponding loss of the largest Ersatzkasse, which reduced a small part of their high financial reserves.
Page 2: Result of the Health Fund and the Rates of Changes in Expenditures