Krankenkassenbeiträge: Weniger Netto vom Brutto

Nun hat sich die Bundesregierung nach monatelangem Streit auf eine Neuregelung der Krankenkassenbeiträge festgelegt. Dabei ist zwar der Wahlkampfslogan „Mehr Netto vom Brutto“ ins Gegenteil verkehrt worden, doch könnte die Festlegung der Krankenkassenbeiträge langfristig auf eine beständigere Grundlage festgelegt worden sein.

Als Hintergrund zum Thema Krankenkassenbeiträge muss man berücksichtigen, dass diese ursprünglich als hälftige Zahlung von Arbeitgebern und Arbeitnehmer festgelegt war. Von dieser Teilung der Krankenkassenbeiträge ist man aber bereits vor längeren abgewichen und hat mit der Einführung des Gesundheitsfonds auch die Unterschiede der Krankenkassenbeiträge eingeebnet. Krankenkassen können zur Finanzierung eines Defizits gegenwärtig Zusatzbeiträge erheben, die aber auf 1 % des Bruttoeinkommens begrenzt sind und wenn sie 8 Euro überschreiten an eine Einkommensprüfung gekoppelt sind. Diese Rahmenbedingungen führen  zu erheblichen Finanzierungsproblemen im Gesundheitssystem und es war lange Zeit völlig unklar, wie die Regierung dies Problem lösen wollen, zumal es das Konzept des Gesundheitsministers war, die Krankenkassenbeiträge vom Einkommen abzukoppeln.

Die neue Lösung sieht demgegenüber eher traditionell aus. Zunächst müssen sowohl Arbeitgeber wie Arbeitnehmer einen höheren Prozentsatz für die Krankenkassenbeiträge aufbringen. Dieses weniger Netto vom Brutto wird noch ergänzt durch die unbegrenzte Erhöhungs-Möglichkeit bei den Zusatzbeiträgen, die allein die Versicherten zu tragen haben. Lediglich der Betrag, der höher als 2 % des Einkommens beträgt, soll über Steuerzahlungen an die Krankenkasse vom Staat übernommen werden. Da alle Krankenkassen Finanzierungsprobleme bekommen (wg. der laufend steigenden Gesundheitskosten), bedeutet dies konkret, dass bei einem Bruttoeinkommen von beispielsweise 2.000 Euro pro Monat zunächst 6 Euro weniger vom Netto bleiben. Zusätzlich kann die Krankenkasse noch einen unbegrenzten Zusatzbeitrag erheben, der bei diesem Beispiel auf bis zu 40 Euro pro Monat ansteigen kann.

Im Betriebsrat-Blog ist kritisiert worden, dass die gesamte Kostenbelastung des Gesundheitswesens über höhere Krankenkassenbeiträge bewältigt wird, während die Leistungserbringer auffällig geschont würden. Kurzfristig ist das zutreffend, doch langfristig könnte es noch schlimmer kommen. Denn die neuen Regeln für Krankenkassenbeiträge könnten dazu führen, dass zunächst die Krankenversicherungsmitglieder belastet und danach dann die öffentlichen Haushalte stark beansprucht werden. Das Thema Krankenkassenbeiträge und Gesundheitskosten wird also noch lange die öffentliche Diskussion bestimmen.

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