Health care premium rises again in 2025
What causes the higher premium?
Shortly before Budget Day, the first reports about the new budget already appeared. These showed that the calculation premium in 2025 is estimated to be € 1900 per year. This calculation premium is a government estimate and indicates the minimum amount of money needed to cover all healthcare costs in the Netherlands. Health insurers use this as a guideline when determining their own premiums, but the final premium may vary from one insurer to another.
The main reasons for rising premiums are:
1
Higher healthcare costs
Medical treatments and drugs are becoming increasingly expensive.
2
Rising wages and inflation
Healthcare personnel must be paid well, which increases overall healthcare costs.
3
Aging
An increasing elderly population creates a greater demand for care.
Health care premium in 2025
So how much one will actually pay next year depends on the health insurer. Some insurers may decide to draw on their financial reserves to limit premium increases for their customers. So it pays to compare different insurers carefully.
Own risk remains the same for now
Good news: the standard deductible will remain € 385 per year in 2025. However, there are plans to lower this amount to €165 in 2027. The idea behind this is that people will then be more inclined to use care. On the other hand, this could also lead to even higher health care premiums due to more use of health care facilities. Moreover, in an already tight labor market, the question arises where the extra care personnel will come from.
What will change in the basic package in 2025?
- Exercise therapy for rheumatoid arthritis and COPD is covered.
- First interviews at mental health facilities are added, to reduce wait times.
- Counseling for prenatal screening disappears from the basic package.
- Conditions for rehabilitation care for the elderly are relaxed.
- Oral surgery for orthodontics is covered for severe growth disorders.
Keep in mind that care from the basic package is often still subject to a deductible.
How do you keep healthcare costs under control?
With the expected increase in health care premiums, many people are concerned about the affordability of their health insurance. Although the health care supplement for lower incomes will increase, this does not cover the entire increase in premium. Therefore, it is wise to take a critical look at your current health insurance. Consider, for example:
Reconsider additional insurance
Do you really need all the extras you are insured for?
Increase own risk
If you expect few health care costs, a higher deductible may be a way to lower your monthly premium.
Tip!
By consciously looking at your health care needs and health insurance, you may be able to save money and make sure you don't overpay.
Discuss your group health insurance with Alpina Care
No group health insurance arranged through Alpina yet? Would you like to take a closer look at the health insurance for your employees? Then feel free to contact Alpina Zorg via 088 12 10 222. Whether you already have a collective health insurance or still want to orientate, we would like to help you. We can manage the existing insurance for you and also offer useful tools, such as a customized online comparer for your employees. Together we make sure that everyone has good and affordable insurance!
We can be reached via Chat, Whatsapp, phone or email
Please feel free to contact us if you would like to know more.
We are here Monday to Friday from 08:00 to 18:00.