I think they are allowed to make a profit on the baseline insurance, they just usually don't in order to attract people with low rates. On the website of the Bu

I think they are allowed to make a profit on the baseline insurance, they just usually don't in order to attract people with low rates. On the website of the Bundesamt fuer Gesundheit and on Wikipedia I couldn't find any mention of such a regulation. It wouldn't make a big difference anyway, as you say, the profit comes from the extras (and from having an efficient administration!).