Health Insurance Calculator

Statutory health insurance looks like a fixed price but is not. The general contribution rate of 14.6 percent is the same for all insurers, yet on top comes the individual additional rate that each insurer sets itself. Between the cheapest and the most expensive insurer the difference quickly exceeds one percent - depending on income that is several hundred euros a year. The calculator makes this difference visible and comparable.

The calculation follows the values for 2026. On your gross wage, 14.6 percent general contribution plus your insurer's additional rate is due, alongside care insurance at 3.6 percent (childless people from 23 pay a surcharge of 0.6 percent, so 4.2 percent in total). Everything is calculated only up to the contribution assessment ceiling; what you earn above that stays contribution-free. The calculator caps this automatically.

The split is decisive: for employees the employer bears half of the health insurance contribution including the additional rate, you pay only your share. The calculator shows both sides separately so you see what actually comes off your net pay - and are not shocked by the full contribution that you only partly bear yourself.

Over 20 of the large insurers are stored with their current additional rate, from Techniker Krankenkasse through the AOKs to regional company insurers. You see at a glance which insurer costs you how much and can deliberately pick the cheapest for your situation. Switching insurer is possible any time after the statutory binding periods - the calculator gives you the figure that makes the switch worthwhile or not.

The big special cases are covered too. For the self-employed the tool calculates differently, because they bear the full contribution alone and a minimum income is assumed. Students, pensioners and mini-jobbers have their own presets. And family insurance checks whether your spouse or children can be co-insured free of charge, as long as they stay below the income limit - a benefit that disappears entirely with private insurance.

On private insurance the calculator gives an honest classification: from when are you even exempt and allowed to switch, and what pitfalls lurk (premiums in old age, no free family insurance, a difficult route back to statutory cover). The tool does not replace insurance advice, but it delivers the hard numbers with which you make the decision soundly. Everything runs in your browser.