Health Insurance Premium Calculator
Calculate your health insurance premium. Public and private health insurance compared. With clear explanations, recommendations and comparison values.
Note: These calculations are for informational purposes only and do not replace professional tax or financial advice. All information without guarantee.
FAQ
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 2.9% in 2026), 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 2026) for three consecutive years. Self-employed and civil servants can switch at any time.
Does this calculator replace a doctor visit?
No. This calculator provides general orientation only. For medical questions, or before starting a diet, therapy or treatment, always consult a qualified physician or therapist.
Guide
Quick Answer
This calculator computes the monthly health insurance contribution from gross income, the general rate and the fund-specific supplementary rate.
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 2026: 14.6% (7.3% each employee/employer). Average supplementary rate 2026: 2.5%. Contribution ceiling 2026: 69,750 euros/year.
Step-by-Step Guide
How to calculate your statutory health insurance (GKV) contribution step by step: 1. Enter your gross income: for employees the monthly gross salary. 2. Note the contribution assessment ceiling: in 2026 it is 69,750 EUR/year (5,812.50 EUR/month). Income above this ceiling is not subject to contributions. 3. Apply the general contribution rate: 14.6 % (7.3 % each for employee and employer). For employees without entitlement to sick pay: the reduced rate of 14.0 %. 4. Add the supplementary contribution: fund-specific, averaging 2.9 % in 2026 (1.45 % each for employee/employer). 5. Calculate the long-term care insurance: 3.6 % (standard), 4.2 % (childless from age 23). 6. Total burden: employee share = gross x (7.3 % + half the supplementary contribution + care insurance share). 7. Compulsory insurance threshold 2026: 73,800 EUR/year. Only above this is a switch to private health insurance (PKV) possible.
Calculation Example
Gross 4,000 EUR/month: health insurance contribution employee (7.3 % + 1.45 %): 4,000 x 8.75 % = 350 EUR. Long-term care (childless, 2.4 % employee): 96 EUR. Employee total health + care: 446 EUR/month.
Sources · E-E-A-T
Official sources
Calculations are based on applicable German laws and official data:
Full methodology at Methodology.
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