🇩🇪 Three Reforms at Once: Long-Term Care, Pensions and Healthcare

The government under Friedrich Merz is entering the autumn with three difficult social reforms: long-term care, the pension system and the healthcare system. And in practically every area, there are already considerable differences of opinion within the coalition of the CDU/CSU and SPD.

The most urgent problem is long-term care insurance: The public funds expect a deficit of around €4.4 billion in 2026 and €7.5 billion in 2027.

At the same time, the government must stabilize health insurance and reform the pension system—against the backdrop of an aging population and a declining number of people financing these systems through their contributions.

This autumn will show how far the CDU/CSU-SPD coalition is actually prepared to go in reforming the German welfare state.


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