Sunday , May 16 2021

The effect of premium subsidies is reduced | Lucerne newspaper

Households should not spend more than 8% of their income on premiums. The federation's request reaches almost no canton. In spite of the increasing support of the state, they are gaining more and more money.

Sven Altermatt

Medical help is increasingly spending family money. Image: Getti

Medical help is increasingly spending family money. Image: Getti

This is the first bright spot for long: in 2019, health insurance premiums should be less painful than in previous years – an average of 1.2 percent. However, a moderate increase can be attributed to the new method of calculation by the Federal Government. And the fact that premiums increase faster than the income of most households in the country, nothing changes. After all, the right to reduce the premium is granted to those who live in "modest economic conditions". But despite the increase in premiums, tens of thousands of people suddenly could not get discounts in recent years. Many cantons renew their financial budgets at their own expense.

The SP wants to raise health insurance premiums by the upper limit of ten percent of revenues. At the beginning of December, she will decide at the party congress if she definitely launches a popular initiative with this request. In the Baselland canton, voters can already vote weekly for a week at the appropriate SP initiative. This campaign received a new impulse this week: "Basellandschaftliche Zeitung" has released explosive data from the Federal Public Health Institute (FOPH), which should not be published until December.

Taillight Baselland

This extract is available with the extract of monitoring, created by the Ecoplan Research Office. It shows that the effect of cheap is decreasing, and premium costs represent an increasing share of the available income of Mrs. and Mrs. Switzerland. The average for all cantons is 14 percent. Monitoring for only a few years. The latest issue was related to 2014, when the burden of health insurance premiums was still 11 percent on average.

In the Canton of Baselland, the payer's premium is the highest according to the latest study. Only in the canton of Jura will there be so much available income to earn a premium – after the deduction of a single reduced premium, of course. 18% of the workload for women's Basel users in more than seven so-called household models. No better situation in other cantons. If it is the goal of the Federal Council, no household should spend more than 8 percent of taxable income on basic insurance. But only the train remains at 7 percent just below this target. The Central Swiss Canton holds this position in all types of households, from "pensioners" to "families with one child" and "young adults in education". The premium cargo in the cantons of Grisons, Obvalden, Schwyz and Nidwalden is relatively low. Beside Bazelanda and Jure, Geneva, Neuchatel and Bern are among the laggards. The remaining premiums in these cantons are more than 20 percent for some households. The division into the household model is necessary because the reduction of the cantonal premium has very different effects – depending on how the household consists of. Sometimes the premium cargo in one canton is more than three times higher than in the other, as the following insights from the monitoring also show:

For families with only one parent with two children, the premium load is the lowest. It varies from 6% in Zug to 14% in St. Gallen. The burden of married couples without children in Geneva and Jura is very high: it is 24%. Zug is 9 percent. Similar to families with one child and a young person on training: In Yuri and Basel, the load is always 23 percent – only 7 percent is in Zug.

Not all are happy

The remaining premium does not permit any direct conclusions on the amount of the payment. But it is worth remembering how much the canton's willingness to spend on premiums is different. The rather underdeveloped canton of Grisons gives an average of 4909 francs in individual premium reductions, while expenditures in the structurally strong Canton of Zug are similarly high to 4676 francs. Switzerland has an average of 2653 francs. The lowest payments were made from 558 francs to Appenzell Innerrhoden and 974 francs in Valais. In each of these cantons, several models of households are not entitled to any reduction.

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