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Enter your key details
Federal state, status (employee, apprentice, student) and income – takes less than a minute.
Your first own insurer?
Get it right from the start.
Started an apprenticeship or your first job after university? Then you're no longer insured through your parents – and need to take out insurance yourself for the first time. In just a few minutes you'll see which insurer is cheapest. No sign-up, no obligation.
No login needed
100% free
No health check
A few minutes
until you know which insurer is right for you – fully online
All 16
federal states available
0 €
Cost to you
Transparency
Why is the comparison free?
The comparison is completely free of charge for you. We only receive remuneration if you join or switch to an insurer – and it comes from the receiving health insurer, not from you. You incur no costs and no obligations whatsoever.
0 €
cost to
you, always
you, always
Obligation to accept
All open insurers have to accept you.
No health check, no waiting period. Every health insurer open nationwide is obliged to accept you as a member.
A few minutes
Everything happens online – no public office, no paperwork.
You apply for membership entirely online. You tell your employer once which insurer you're with – they receive the membership certificate electronically, and the rest happens automatically.
Switch later?
You're not tied in forever.
After 12 months you can switch at any time. If your insurer raises its contribution, you even have a special right of termination.
Why comparing pays off
Same salary, more take-home pay – right from the start.
All health insurers charge their own additional contribution – on top of the uniform rate of 14.6%. You pay half of it yourself. In 2026 the range between the cheapest and the most expensive insurer is around 2.2 percentage points – although not every insurer can be chosen in every federal state. If you choose the cheaper insurer from the start, you'll have more take-home pay on the same gross salary – without a pay rise.
Employee's share (50% of the contribution difference). Actual savings depend on the additional contribution of the insurer chosen. In 2026 the range between the cheapest and the most expensive insurer is around 2.2 percentage points (2.18% to 4.39%, source: list of health insurers published by the GKV-Spitzenverband, the national association of statutory health insurers). Not every insurer can be chosen in every federal state – among insurers available nationwide the range is around 1.9 percentage points.
It's that easy
4 steps to your first own insurer
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Compare insurers
See instantly which insurer is cheapest for your income – numerous providers at a glance.
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Check benefits
Filter by the benefits that matter to you – bonus programmes, app quality, teeth cleaning and more.
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Join online
Apply for membership in a few minutes. You tell your employer your insurer once – they receive the membership certificate electronically.
Preferred-benefits filter
Not just the cheapest – the right insurer for you.
The basic benefits are the same at all insurers. The difference lies in the extras – filter specifically for them.
Frequently asked questions
Everything you need to know about your first own insurer
Do I have to take out my own insurance now?
That depends on the type of training. With a paid dual apprenticeship, the free family insurance through your parents ends automatically on your first day of training – you are then compulsorily insured in your own right. With purely school-based training without pay (e.g. social care assistant, nursery teacher), you can stay in family insurance until the age of 25. After university: the low-cost student insurance ends when you deregister from university or at the latest at the end of the semester – if you then start working, you are insured through your employer and need your own insurer.
Which insurer is best for people starting their career?
That depends on your income, your federal state and the benefits you want. There is no universally best insurer – but our comparison shows you free of charge which one is cheapest and best suited to your individual situation.
How long am I tied to the insurer I choose?
At least 12 months. After that you can switch at any time. If your insurer raises its additional contribution, you even have a special right of termination and can switch earlier.
Are the benefits the same at all insurers?
The statutory basic benefits – such as doctor's visits, medication, hospital stays – are identical at all insurers. Differences exist only in voluntary extra benefits such as bonus programmes, teeth cleaning, osteopathy or the quality of the app and customer service.
What happens if I don't submit an application?
Your training company will then automatically register you with the insurer you were previously family-insured with – i.e. your parents' insurer. That isn't necessarily the cheapest. For graduates: if you don't actively choose, your employer will ask for the membership certificate – and without it they can't submit the social security registration correctly. In both cases: if you compare and choose yourself now, you start with the cheapest insurer from the outset.
By when do I need to have chosen an insurer?
As early as possible – ideally before your first day of training or work. For apprentices: if you don't register with an insurer within 14 days of starting your apprenticeship at the latest, you'll automatically be insured with the insurer that provided your previous family insurance – which isn't necessarily the cheapest. For graduates starting their first job: your employer needs the membership certificate for the social security registration and often asks for it as early as when you sign your contract.
What do I need to register with a health insurer?
Usually your ID card and your social security number are enough. The social security number is on your social security card (Sozialversicherungsausweis) – if you can't find it, you've probably never received one and can simply apply for it from the Deutsche Rentenversicherung (German pension insurance; free of charge, online). Some insurers also ask for an IBAN for contribution refunds.
What does the comparison cost?
Nothing. The comparison is 100% free and non-binding. Using the calculator creates no obligation whatsoever.