Voluntary Health Insurance Calculator
Calculate the premium for voluntary statutory health insurance for self-employed persons. Scientifically based, free, no registration required.
Note: These calculations are for informational purposes only and do not replace professional tax or financial advice. All information without guarantee.
Frequently Asked Questions
How much does voluntary statutory health insurance cost?
Voluntary members pay the full contribution rate (14.6% plus additional contribution) on all income types up to the contribution ceiling (5,175 euros/month in 2026). There is a minimum contribution based on a deemed income.
Who needs voluntary statutory health insurance?
Voluntary insurance is for self-employed, freelancers, high-earning employees who choose to stay in statutory insurance, and people without compulsory insurance coverage.
What is the Voluntary Health Insurance Calculator?
This calculator computes the contribution for voluntary statutory health insurance for self-employed persons and other voluntarily insured individuals.
How does the Voluntary Health Insurance Calculator work?
Enter your total income (all types). The full rate (14.6% + supplementary rate) is applied to income. Without an employer you bear the full contribution. Note the minimum assessment base.
Key Data and Facts
Full rate for self-employed: 14.6% + supplementary rate (no employer share). Minimum assessment base 2026: 1,178.33 euros/month. Long-term care: 3.4% (or 4.0% if childless).
Step-by-Step Guide
How to calculate den contribution zur freiwilligen GKV step by step: 1. Gesamteinkommen determine: Bei freiwillig Versicherten zaehlen alle Einkunftsarten -- Gewinn aus Selbststaendigkeit, Kapitalertraege, Mieteinnahmen, Renten. 2. Mindestbemessungsgrundlage beachten: 2026 betraegt sie 1.178,33 EUR/month. Auch bei niedrigerem income wird mindestens dieser Betrag zugrunde gelegt. 3. Hoechstbemessungsgrundlage: 5.512,50 EUR/month (66.150 EUR/year). 4. contribution rate anwenden: Selbststaendige ohne Krankengeld: 14,0 % + supplementary contribution (ca. 2,5 %). Selbststaendige mit Krankengeld: 14,6 % + supplementary contribution. Der volle contribution wird allein getragen (kein AG-share). 5. long-term care insurance addieren: 3,4 % (mit Kindern) oder 4,0 % (kinderlos ab 23). 6. Monatlichen Gesamtbeitrag calculate. 7. GSVG-Zuschuss pruefen: Freiwillig versicherte Selbststaendige koennen ggf. einen Zuschuss beim zustaendigen Traeger beantragen.
Calculation Example
Selbststaendiger, Gewinn 3.500 EUR/month, kinderlos, ohne Krankengeld: health insurance (KV) = 3.500 x (14,0 % + 2,5 %) = 577,50 EUR. long-term care insurance (PV) (4,0 %): 140 EUR. Gesamtbeitrag: 717,50 EUR/month.
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