What changes in 2027 for your care costs?

On Tuesday 15 September the government presented its plans for 2027. Please note: these are plans. The budget still has to pass the House of Representatives and the Senate, so the amounts can still change.

According to the plans, the compulsory deductible (eigen risico) rises from € 385 to € 400 a year. That is the first increase since 2016; the amount stood still for eleven years. The health insurance premium would go up by € 12.50 a month, to an average of € 169 a month. That average is a calculation figure from the government: every health insurer sets its own premium and announces it by 12 November at the latest. Only then will you know what you are going to pay. On the other hand, the healthcare allowance (zorgtoeslag) goes up: to around € 140 a month for single people, and to around € 268 a month for people with an allowance partner.

The deductible only applies to care from your health insurance, such as hospital treatment or medicines. For support, dagbesteding (day activities) or household help through your municipality you do not pay a deductible, but a personal contribution (eigen bijdrage) to the CAK (the body that collects the personal contribution).

About that personal contribution there is news that brings some calm. There was a bill to make the personal contribution for the Wmo (the Dutch Social Support Act, arranged by your municipality) depend on your income and assets, at first from 2027. That is not going ahead for now: the debate in the House of Representatives has been put on hold because the bill has been declared controversial, and the introduction has been moved to 1 January 2028 at the earliest. Until then the personal contribution stays a fixed amount per month, the same for everyone, whatever your income. In 2026 that is a maximum of € 21.80 a month; the CAK will announce the amount for 2027 later.

Please note: some websites still say that the income-related contribution starts in 2027. That is out of date. Are you in doubt about your own situation? Feel free to call us, or contact your health insurer or your municipality.