Contribution calculator
Calculate your health insurance contribution
What you really pay in 2026.
7.3% of your gross salary plus half of your insurer’s additional contribution is deducted; your employer pays the other half. On €4,000 gross that is €342.00 to €379.80 a month, depending on the insurer. Work it out for your salary.
Author: Jan Ortgies · As of 11 November 2026 · If a switch comes about through our comparison, we receive a fee from the new insurer, not from you.
What do you pay per month?
Enter your gross salary and choose your insurer. The calculator shows your share of health and long-term care insurance and the difference to the cheapest insurer open nationwide.
Health insurance, your share–
Long-term care insurance, your share–
Total per month–
Your employer pays towards health insurance–
With the cheapest insurer open nationwide (TUI BKK, 2.50%), less per year–
Compare insurers →For employees, before tax, without guarantee, for guidance only. Calculated up to the contribution ceiling of €5,812.50 a month. Below around €2,000 gross, special lower rates apply in the transition band (Midijob), which the calculator does not cover. Additional contributions from the GKV-Spitzenverband list of insurers, as of 1 November 2026; average 3.13% according to the Federal Ministry of Health, end of June 2026.
Health insurance contribution by salary 2026
Your share of health insurance per month, without long-term care insurance, at insurers open nationwide. From €5,812.50 the contribution no longer rises.
| Gross per month | Cheapest: TUI BKK (2.50%) | Average (3.13%) | Most expensive: BKK24 (4.39%) | Difference per year |
|---|---|---|---|---|
| €2,000 | €171.00 | €177.30 | €189.90 | €227 |
| €2,500 | €213.75 | €221.62 | €237.37 | €283 |
| €3,000 | €256.50 | €265.95 | €284.85 | €340 |
| €3,500 | €299.25 | €310.27 | €332.32 | €397 |
| €4,000 | €342.00 | €354.60 | €379.80 | €454 |
| €4,500 | €384.75 | €398.93 | €427.27 | €510 |
| €5,000 | €427.50 | €443.25 | €474.75 | €567 |
| €5,500 | €470.25 | €487.57 | €522.22 | €624 |
| €6,000 | €496.97 | €515.28 | €551.90 | €659 |
| €7,000 | €496.97 | €515.28 | €551.90 | €659 |
What does that mean for your salary?
- Health insurance contribution on €3,000 gross
- On €3,000 gross you pay between €256.50 and €284.85 a month for health insurance, €265.95 on average. Long-term care insurance adds €54.00, or €72.00 without children. Between the cheapest and the most expensive insurer open nationwide the difference is €340 a year.
- Health insurance contribution on €4,000 gross
- On €4,000 gross you pay between €342.00 and €379.80 a month for health insurance, €354.60 on average. Long-term care insurance adds €72.00, or €96.00 without children. Between the cheapest and the most expensive insurer open nationwide the difference is €454 a year.
- Health insurance contribution on €5,000 gross
- On €5,000 gross you pay between €427.50 and €474.75 a month for health insurance, €443.25 on average. Long-term care insurance adds €90.00, or €120.00 without children. Between the cheapest and the most expensive insurer open nationwide the difference is €567 a year.
- Health insurance contribution on €6,000 gross
- On €6,000 gross you pay between €496.97 and €551.90 a month for health insurance, €515.28 on average. Long-term care insurance adds €104.62, or €139.50 without children. Between the cheapest and the most expensive insurer open nationwide the difference is €659 a year. Only income up to €5,812.50 counts, so this is the maximum contribution.
How it is calculated
What your health insurance contribution is made up of
- Health insurance
- 14.6% general contribution rate plus your insurer’s additional contribution. You pay half of that, so 7.3% plus half the additional contribution. Your employer bears the other half.
- Additional contribution
- Each insurer sets it itself. Among insurers open nationwide it ranges from 2.50% to 4.39% in 2026. All additional contributions at a glance →
- Long-term care insurance
- The rate is the same at every insurer: 3.6%, split equally. From age 23 without children you pay 0.6 percentage points more, on your own. From the second child under 25 your share falls by 0.25 percentage points per child, at most four times. In Saxony employees bear a larger share.
- Contribution ceiling
- In 2026 contributions are only due on income up to €5,812.50 a month. If you earn more, the contribution stays the same. What changes in 2027 →
- Not an employee?
- Different rules apply to the self-employed, pensioners and students: Self-employed · Pensioners · Students from 25
FAQ
Questions about the contribution
How much is the health insurance contribution on €3,000 gross?
How much is the health insurance contribution on €5,000 gross?
What percentage of gross pay goes to health insurance?
What is the maximum contribution?
Can I lower my contribution?
What does your help cost?
All amounts are our own calculations for guidance, without guarantee and not a commitment. Your payslip is decisive. This page does not replace advice.
Sources: § 241 SGB V · § 242 SGB V · § 249 SGB V · § 223 SGB V · § 55 SGB XI · § 58 SGB XI · GKV-Spitzenverband list of insurers · Federal Ministry of Health, financial development first half of 2026
Why is the comparison free?
The comparison and advice on statutory health insurance cost you nothing. If a switch comes about through us, we receive remuneration from the new health insurer; our partner VGK24 may also pay us for enquiries – not you. Your contribution is the same as if you switched directly with the insurer, and you enter into no obligation.
for the comparison
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.