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.
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 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.
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 Ihren GKV-contribution step by step: 1. Bruttoeinkommen enter: Fuer employee das monatliche Bruttogehalt. 2. contribution ceiling beachten: 2026 liegt sie bei 66.150 EUR/year (5.512,50 EUR/month). income ueber dieser Grenze wird nicht beitragsbelastet. 3. Allgemeinen contribution rate anwenden: 14,6 % (je 7,3 % employee und employer). Fuer Beschaeftigte ohne Krankengeldanspruch: ermaessigter Satz 14,0 %. 4. supplementary contribution addieren: Kassenspeziefisch, durchschnittlich 2,5 % in 2026 (je 1,25 % AN/AG). 5. long-term care insurance calculate: 3,4 % (ab 2 Kindern), 4,0 % (kinderlos ueber 23 Jahre). 6. Gesamtbelastung: AN-share = gross x (7,3 % + halber supplementary contribution + long-term care insurance (PV)-share). 7. Versicherungspflichtgrenze 2026: 73.800 EUR/year. Erst darüber ist ein Wechsel in die PKV moeglich.
Calculation Example
gross 4.000 EUR/month: health insurance (KV)-contribution AN (7,3 % + 1,25 %): 4.000 x 8,55 % = 342 EUR. long-term care insurance (PV) (kinderlos, 2,3 % AN): 92 EUR. AN-Gesamtbeitrag health insurance (KV)+long-term care insurance (PV): 434 EUR/month.
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