Additional contribution 2026
Cheapest health insurer in Baden-Württemberg
2026 compared
If you live or work in Baden-Württemberg, you can choose from 49 health insurers – all those open nationwide and 15 regional ones. The cheapest is BKK firmus at 2.18%, the most expensive BKK24 at 4.39%. On a gross salary of €4,000 that is a difference of up to €530 a year for you.
Compare with other insurers →Additional contributions
All health insurers you can join in Baden-Württemberg
Sorted by additional contribution, not by remuneration. “Apply” opens the online application of our partner VGK24 further down this page – offered for the 38 insurers we arrange via VGK24.
| Insurer | Additional contribution | Total rate | Open | Online application |
|---|---|---|---|---|
| BKK firmus | 2.18% | 16.78% | regional | Apply → |
| TUI BKK | 2.50% | 17.10% | nationwide | |
| hkk | 2.59% | 17.19% | nationwide | Apply → |
| Audi BKK | 2.60% | 17.20% | nationwide | Apply → |
| Techniker Krankenkasse (TK) | 2.69% | 17.29% | nationwide | Apply → |
| BKK Schwarzwald-Baar-Heuberg | 2.79% | 17.39% | regional | Apply → |
| WMF BKK | 2.85% | 17.45% | nationwide | |
| HEK | 2.89% | 17.49% | nationwide | Apply → |
| AOK Baden-Württemberg | 2.99% | 17.59% | regional | Apply → |
| BKK Freudenberg | 2.99% | 17.59% | regional | Apply → |
| BKK Linde | 2.99% | 17.59% | nationwide | |
| Bosch BKK | 3.18% | 17.78% | regional | |
| Bertelsmann BKK | 3.20% | 17.80% | regional | |
| DAK-Gesundheit | 3.20% | 17.80% | nationwide | Apply → |
| Debeka BKK | 3.25% | 17.85% | nationwide | |
| BARMER | 3.29% | 17.89% | nationwide | Apply → |
| Salus BKK | 3.29% | 17.89% | nationwide | Apply → |
| Continentale BKK | 3.33% | 17.93% | nationwide | |
| IKK gesund plus | 3.39% | 17.99% | nationwide | Apply → |
| BKK Gildemeister Seidensticker | 3.40% | 18.00% | nationwide | Apply → |
| ZF BKK | 3.40% | 18.00% | regional | |
| BKK Technoform | 3.49% | 18.09% | regional | |
| R+V BKK | 3.49% | 18.09% | nationwide | Apply → |
| BKK mkk | 3.50% | 18.10% | nationwide | Apply → |
| novitas bkk | 3.60% | 18.20% | nationwide | Apply → |
| BAHN-BKK | 3.65% | 18.25% | nationwide | Apply → |
| SKD BKK | 3.65% | 18.25% | regional | Apply → |
| BIG direkt gesund | 3.69% | 18.29% | nationwide | Apply → |
| Pronova BKK | 3.70% | 18.30% | nationwide | Apply → |
| KKH | 3.78% | 18.38% | nationwide | Apply → |
| BKK ProVita | 3.79% | 18.39% | nationwide | Apply → |
| vivida bkk | 3.79% | 18.39% | nationwide | Apply → |
| BKK Diakonie | 3.80% | 18.40% | regional | |
| SBK | 3.80% | 18.40% | nationwide | Apply → |
| IKK classic | 3.85% | 18.45% | nationwide | Apply → |
| mhplus BKK | 3.86% | 18.46% | regional | Apply → |
| BKK Mobil | 3.89% | 18.49% | nationwide | Apply → |
| BKK VerbundPlus | 3.89% | 18.49% | nationwide | Apply → |
| BKK melitta hmr | 3.90% | 18.50% | regional | Apply → |
| BKK Pfalz | 3.90% | 18.50% | nationwide | Apply → |
| Heimat Krankenkasse | 3.90% | 18.50% | nationwide | Apply → |
| SECURVITA BKK | 3.90% | 18.50% | regional | Apply → |
| energie-BKK | 3.98% | 18.58% | nationwide | Apply → |
| BKK Scheufelen | 3.99% | 18.59% | regional | |
| BKK Wirtschaft & Finanzen | 3.99% | 18.59% | regional | Apply → |
| VIACTIV Krankenkasse | 4.19% | 18.79% | nationwide | Apply → |
| IKK – Die Innovationskasse | 4.30% | 18.90% | nationwide | Apply → |
| Knappschaft | 4.30% | 18.90% | nationwide | Apply → |
| BKK24 | 4.39% | 18.99% | nationwide | Apply → |
Source: list of health insurers published by the GKV-Spitzenverband, retrieved on 1 November 2026. Total rate = 14.6% + additional contribution. Company-based insurers (only for employees of certain companies) are not listed. Benefits differ – compare contribution and benefits.
Regional
Regional insurers in Baden-Württemberg
These insurers only accept you if you live or work in their area. The AOK for Baden-Württemberg: AOK Baden-Württemberg (2.99%).
- BKK firmus2.18%
- BKK Schwarzwald-Baar-Heuberg2.79%
- AOK Baden-Württemberg2.99%
- BKK Freudenberg2.99%
- Bosch BKK3.18%
- Bertelsmann BKK3.20%
- ZF BKK3.40%
- BKK Technoform3.49%
- SKD BKK3.65%
- BKK Diakonie3.80%
- mhplus BKK3.86%
- BKK melitta hmr3.90%
- SECURVITA BKK3.90%
- BKK Scheufelen3.99%
- BKK Wirtschaft & Finanzen3.99%
FAQ
Questions about health insurance in Baden-Württemberg
Which health insurer is cheapest in Baden-Württemberg?
Can I choose any health insurer in Baden-Württemberg?
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Why is the comparison free?
The comparison and any advice are completely free of charge for you. We only receive remuneration if a switch of health insurer takes place – and it comes from the receiving health insurer, not from you. You incur no costs and no obligations whatsoever.
you, always
You don't have to cancel your old health insurance yourself. Your new insurer handles the entire cancellation. You just briefly tell your employer which insurer you're switching to – the new insurer then sends them the membership certificate (Mitgliedsbescheinigung) electronically.
The entire switch happens online. No public office, no fax, no waiting room. Your membership application takes just a few minutes to submit online.
All statutory health insurers open nationwide are obliged to accept members – with no health check and no waiting period. Company health insurers (Betriebskrankenkassen) may be restricted to certain groups of people.