Health Insurance Premium Calculator
Calculate your health insurance premium. Public and private health insurance compared.
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 is the health insurance contribution?
The general statutory health insurance rate is 14.6% of gross income plus an individual additional contribution (averaging 2.5% in 2025), split equally between employer and employee.
When can I switch to private health insurance?
Employees can switch to private health insurance if their annual gross income exceeds the threshold (69,300 euros in 2025) for three consecutive years. Self-employed and civil servants can switch at any time.
What is the Health Insurance Premium Calculator?
This calculator computes the monthly health insurance contribution from gross income, the general rate and the fund-specific supplementary rate.
How does the Health Insurance Premium Calculator work?
Enter your gross income. The calculator applies the general rate (14.6%) plus the supplementary rate and splits the contribution equally between employee and employer. The contribution ceiling is observed.
Key Data and Facts
General rate 2025: 14.6% (7.3% each employee/employer). Average supplementary rate 2025: 2.5%. Contribution ceiling 2025: 66,150 euros/year.
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