Interactive Tool
GKV Contribution Calculator
Estimate your monthly German statutory health insurance cost for 2026.
Your Details
Only generally accessible statutory insurers shown.
Assessment ceiling: €5.812,50/month
Long-term care rates depend on number of children under 25 (since 2023 PUEG reform).
Total Monthly Insurance Cost
€0.00
TK · Employee · Childless
Your Share (Employee)
€0.00
Employer Share
€0.00
Detailed Breakdown
How GKV Contributions Work
In Germany, statutory health insurance contributions are shared between employer and employee. Your total cost consists of four components:
- Health insurance — employee share (half of the total health rate)
- Health insurance — employer share (half of the total health rate)
- Long-term care insurance — employee share (half of the base rate + childless surcharge if applicable)
- Long-term care insurance — employer share (half of the base rate)
Self-employed individuals pay the full contribution themselves — there is no employer subsidy. Contributions are always calculated on your gross income, capped at the assessment ceiling of €5,812.50/month (2026).
Wondering if private insurance could be cheaper?
Private health insurance (PKV) premiums are based on your health profile — not your income. For many professionals earning above the threshold, PKV offers better coverage at a lower cost.