Health Insurance Premium Calculator
Your 2026 statutory health insurance contribution from gross annual pay: employee and employer shares per month and year, capped at 69,750 €, plus care insurance.
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 once their regular annual gross pay exceeds the compulsory insurance threshold (77,400 euros in 2026) and is expected to exceed next year's threshold too; statutory insurance then ends at the end of the calendar year. Self-employed and civil servants can switch at any time.
Which additional contribution rate should I enter?
The one charged by your own health insurance fund: the default is the 2026 average additional contribution of 2.9%, but each fund sets its own rate. Like the general rate of 14.6%, it is split equally between you and your employer. Example with €48,000 gross a year (€4,000 a month): at 2.9% you pay €350 a month; with a fund charging 2.5% it is €342 – €96 less per year. If your fund raises its additional contribution, you have a special right to cancel your membership (Sonderkündigungsrecht).
Guide
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: 2.9%. 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: 77,400 EUR/year (6,450 EUR/month). 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
Official sources
Calculations are based on applicable German laws and official data:
Full methodology at Methodology.
Reviewed by Konstantin Iakovlev · Last updated:
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