Health insurance
The statement in the quiz
Germany should switch to citizens’ insurance (Bürgerversicherung), so that people with private health insurance also share the cost of public healthcare.
Background
Germany runs statutory health insurance (GKV) and private health insurance (PKV) side by side. In 2026, employees earning more than €77,400 a year can switch to private insurance. Statutory contributions are based on income; private premiums are based on each person’s risk.
Sources for the background: Federal government: Social insurance thresholds for 2026
ForLeaning forNeutral / mixedLeaning againstAgainstNot in manifesto
Wants to keep statutory and private health insurance side by side.
From the manifesto „zur Dualität von gesetzlicher und privater Krankenversicherung“Source: CDU/CSU manifesto for the 2025 federal election, PDF page 69
The manifesto does not mention it; in 2025 its parliamentary group said citizens’ insurance would be socially unfair and would restrict freedom of choice.
From the manifesto „Eine sogenannte Bürgerversicherung einzuführen, wäre sozial ungerecht“Source: AfD parliamentary group: Press release (6 June 2025)
Wants statutory and private insurers to form one citizens’ insurance system based on solidarity.
From the manifesto „Krankenkassen und private Krankenversicherungen bilden so ein System einer solidarischen Bürgerversicherung aus“Source: SPD manifesto for the 2025 federal election, PDF page 29
Since the election: In government, the 2025 coalition agreement left out citizens’ insurance.
Aims for citizens’ insurance that brings privately insured people into the shared financing of the health system.
From the manifesto „Unser Ziel ist die Bürgerversicherung, die neben den gesetzlich Krankenversicherten auch die Privatversicherten in den solidarischen Finanzausgleich des Gesundheitssystems einbezieht.“Source: Greens manifesto for the 2025 federal election, PDF page 93
Wants everyone with private insurance moved into statutory insurance, with contributions on all income.
From the manifesto „Privatversicherte werden in die gesetzliche Krankenversicherung übernommen.“Source: Die Linke manifesto for the 2025 federal election, PDF page 18
Wants citizens’ insurance in place of two-tier medicine, with everyone paying in according to income.
From the manifesto „die Einführung einer Bürgerversicherung, in die alle Bürger nach ihrem Einkommen einzahlen“Source: BSW manifesto for the 2025 federal election, PDF page 26
Backs the mix of statutory and private insurance and rejects a single insurance fund.
From the manifesto „Daher lehnen wir eine Einheitskasse (sog. Bürgersversicherung) ab.“Source: FDP manifesto for the 2025 federal election, PDF page 33
Positions are coded on five steps: for, leaning for, neutral or mixed, leaning against, against. A party whose manifesto says nothing on the statement is marked “not in manifesto”, and the quiz leaves the statement out of that party’s score. The coding method and its checks are on the method page.
This is one of the statements in the German Party Spectrum Quiz. The whole quiz takes about five minutes and shows how your views split across the seven parties, plus your place on an economic and social map. No sign-up, and we never ask who you are.
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Manifesto coding and background checked: 27 September 2026 Update log