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Overview of Germany’s 2027 Care Reform
Germany’s federal government has finalized the first phase of its care reform with the approval of the “Pflegeneuordnungsgesetz” (Care Reorganization Act). This reform primarily targets stabilizing the financing of the social care insurance system, which is facing an anticipated deficit of around eight billion euros next year, and aims to keep the system operational without immediate drastic cuts. Key changes include higher contributions from childless individuals, introduction of care insurance contributions for mini-job workers, and enhanced focus on prevention to reduce future care dependency. The government plans further reforms through a dedicated structural commission to propose longer-term solutions by early 2027 [Source 1][Source 4].
Key Changes Affecting Care Insurance Contributions and Benefits
Under the new law effective from 2027, contributions to the care insurance from mini-job earnings will begin, generating an estimated 1.4 billion euros in additional revenue annually. Childless insured persons will face higher contribution rates to help finance the care system. Contributions for pension insurance for family caregivers will continue to be fully covered by the care insurance fund, not reducing their pension entitlements. Starting in 2029, care insurance benefits will be adjusted annually based on inflation, aiming to maintain the real value of support payments over time [Source 1][Source 2].
Expanded Preventive Measures and Rehabilitation Focus
The reform strengthens the principle of “rehabilitation before care” by requiring more thorough assessments to determine if rehabilitation could reduce care needs. Those insured aged 60 and over will gain access to a preventive health check-up called “Check-up 60+”, designed to identify and mitigate health risks early and help maintain independence longer. This puts a greater emphasis on prevention to reduce future care dependency and associated costs [Source 1][Source 2][Source 4].
Implications for Expats and Foreign Residents in Germany
Expats, international students, and foreign workers in Germany should prepare for higher mandatory contributions to the care insurance starting in 2027, especially if they are childless or employed in mini-jobs. The inclusion of mini-job earnings in care insurance contributions means that part-time workers must budget for slightly increased deductions. The preventive health check-ups starting at age 60 could benefit long-term residents by offering earlier access to care-related preventive services, potentially preserving health and reducing future care costs. Expats should also be aware of the gradual annual increases in care insurance payments from 2029 onward due to inflation adjustments, affecting overall healthcare budgeting.
Since the legislation will take effect after further parliamentary procedures and is planned for early 2027, expats should stay informed about precise implementation timelines and any specific eligibility requirements. Participation in preventive check-ups and understanding revised benefit rules could help expats navigate the evolving care landscape more effectively [Source 1][Source 3][Source 4].
For more detailed information in German, readers can refer to the original report at Tagesschau [Source 1].
