Mr Bean'S Savage Reactions To Celebrities Will Make You Cry Laughing 😂

Last Friday, the German government officially passed the GKV-Beitragssatzstabilisierungsgesetz to fix our public healthcare system. Big word and potentially big costs for you. You might have seen the terrifying headlines before the new law was passed, but luckily the reality is actually much better than we feared. In this video, we break down the official changes coming in 2027 and what they mean for your salary and your health insurance costs. So you'll know exactly if you're winning or if you're losing. This new law is supposed to be a massive milestone because it wants to fix the financial emergency the public healthcare system is in. In 2024 alone, public health insurance has lost 6.2 billion and the health fund another 3.7 billion. So almost 10 billion in total. And 2024 was no outlier. Public expenses are growing by up to 9% every year, while income only grows by about 3%. Oopsie daisy. The German government itself predicts that without new reforms, the deficit could grow to 15 billion in 2027 and up to 40 billion in 2030. That's when your public health insurance premium would rise to almost 20% of your salary. And that's just three and a half years away. The health ministry had to act fast, and they have to fix a lot of structural problems permanently. That's what they tried to do with the GKV-Beitragsstabilisierungsgesetz, a list of changes that send shockwaves through the country. Let's play a game of proposal versus reality so you can see which changes actually made it into the law passed last Friday and if you're winning or losing. Let's start with one of the most critical safety features of the German employment system, your Sick Pay, also known as Krankengeld in German. If you get seriously ill and you cannot work, your employer continues paying your salary for up to six weeks. And when he stops paying your salary, health insurance steps in to pay a replacement income for up to 1.5 years. Normally, your public health insurance compares two numbers, 90% of your net with 70% of your gross, and your Sick Pay will be whichever number is lower, of course. Let's make an example and say you earn a solid 5,000 euro gross per month, then your Sick Pay would be 3,500 euro, which is almost the legal maximum because more than 135 euros a day is not possible. If your living costs are higher than this cap, you are facing a massive financial risk. So if you want to secure your income, book a free meeting with us right here. We help you analyze your setup and make sure that there are no gaps. And the health ministry had a plan to cut that further from 70% down to just 65% of your regular pay. On paper, a 5% difference might not sound like a disaster, but in reality, for our 5,000 euro salary example, that drops your monthly support down to 3,250 euro. That's a loss of 250 euros a month, right when you are at your most vulnerable and trying to recover. Talking about kicking a man when he's down. So did this cut make it into the final law? Luckily, no. Thanks to a massive political pressure and public protests, this cut was completely thrown out, and your Sick Pay remains at the original 70% level. Talking about sick leave, currently it is all or nothing. Either you are 100% healthy, or your doctor writes you a yellow slip, the Arbeitsunfähigkeitsbescheinigung, and you stay at home. There is no in-between. But the government wanted to change this by introducing part-time sick leave, Teilarbeitsunfähigkeit in German. Under this proposal, if you are recovering from a long illness or surgery, you could choose to work part-time, say 4 hours a day, while receiving partial sick pay. It was designed to give employees a flexible, stress-free way to ease back into work full-time. Did this get implemented? Yes. But with a catch. While the measure was approved, the government realized the technical and bureaucratic implementation was too complex to finalize this year. So they delayed the launch for part-time sick leave to July 1st, 2028. The next change is easily the most terrifying headline for married couples and families. One of the greatest benefits of the public system is the free family insurance. If your spouse stays at home to take care of the kids or has no income, they are co-insured under your policy completely for free. The government's plan was to heavily restrict this benefit. They proposed a mandatory 2.5% surcharge on your income if your partner is co-insured with you for free. Again, if you earn 5000 Euro gross, a 2.5% surcharge means paying an extra 125 Euro every single month. That is 1500 Euro per year in extra costs, simply for being married and having a partner who is currently looking for a job or taking a career break. So did this change go through? Kind of. They did pass the 2.5% surcharge starting in 2028, but with a twist. Married couples will remain exempt from this surcharge if they are caring for children under the age of 12. Whenever you get a prescription from your doctor or you have to spend a night in the hospital, you usually pay a small fee out of your own pocket. That is your Zuzahlung in German. Currently, these co-payments are costing you usually between 5 Euro and 10 Euro per medication. The initial draft of the law proposed two massive increases. First, they wanted to raise these co-payments by 50% starting 2027. Second, and even worse, they wanted to introduce an automatic yearly increase. So co-payments would rise automatically every year to match inflation without requiring any new vote in parliament. Did this make it into the final law? Yes and no. Yes, the 50% increase is officially happening on January 1st, 2027. So your standard prescriptions will now cost between 7.50 Euro and 15 Euro. And no, because automatic yearly increases got deleted in the final vote. So there will be no automatic price increases in the future. For now at least. In the past, if your public health insurance company decided to raise their premiums, they had to inform you. In fact, by German law, they were forced to print out a physical letter, put it in an envelope and mail it to you. This letter had to state, we are raising our premiums. You now have a special right to cancel and switch to a cheaper provider. It ensured that no insurance company could quietly charge you more and more money, hoping you will never notice. But the government realized that printing and mailing these letters to tens of millions of members costs the insurance companies up to 100 million Euro in postage and admin fees every year. So they planned to delete this notification. Did it pass? Yes. This obligation was completely deleted. This means that from now on, your public insurer can raise your premiums without a single warning. The only way you will find out is when you look at your payslip and realize your net salary has dropped. Talking about premium increases. To balance the books of the public health care system, the government has set a strict savings target. In the initial draft of the law, the health ministry calculated that they need to find 16.3 billion for the year 2027 to prevent the system from collapsing. I guess our health minister, Nina Valken, has to search in some old pants for that money. Not sure where else she wants to casually find 16.3 billion Euros. This is a massive sum. To meet this target, the government planned to increase the public salary threshold, the Beitragsbemessungsgrenze, much faster than usual. And they want to do other stuff too. Do you think the government sticks to their own savings target? Of course not. And that might be very bad if you earn more than 70k salary. Because the law actually increased the savings target to 18.8 billion Euros for 2027. 2.5 billion Euros more than planned. Which means the pressure is going to be even more intense. This is why the public premiums are expected to rise significantly in 2027. If you want to cut your health insurance costs, book a free meeting with us right here and watch this video next. Thank you for watching this video until the very end and bis zum nächsten Mal.