GKV · 2026

What would GKV actually cost you?

A few inputs and you have the actual bill — your share, your employer's share, and what each component is for.

Your details

72 statutory health insurers, with their 2026 Zusatzbeitrag rates.

Employment status

Capped at the 2026 Beitragsbemessungsgrenze of €5,812.50/month. Income above that doesn't increase your contribution.

Children under 25

From the 2nd child onwards, parents pay a reduced Pflegeversicherung rate. Members without children aged 23+ pay a 0.6% surcharge.

Total monthly bill

€967.05

Techniker Krankenkasse (TK) · employee · 2.69% Zusatzbeitrag · no children

You pay

€497.03

/ month

Employer pays

€470.03

/ month

How that breaks down

ComponentYou pay

Krankenversicherung

14.6% base + 2.69% Zusatzbeitrag

€389.03

Pflegeversicherung

3.6% base + 0.6% childless surcharge

€108.00
Total€497.03
The 0.6% Pflege childless surcharge is paid by the employee alone — your employer's share stays at the standard 1.8% regardless. That's why your half of the Pflege bill is larger than the employer's.

Next step

Is this what you should be paying?

Switching Kasse, weighing GKV vs. PKV, or just sanity-checking your payslip — the right call depends on more than the headline number. Free 30 minutes with Jonas. Honest answer either way.

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How the numbers work

Statutory contributions look opaque at first, but the rules are public. Here's what's under the hood — so you can reproduce the figure on your own payslip.

The formula

Monthly contribution = (gross income, capped at the 2026 BBG of €5,812.50) × (14.6% statutory base rate + your Kasse's Zusatzbeitrag) for the Krankenversicherung, plus 3.6% for the Pflegeversicherung. Childless members aged 23+ pay an extra 0.6% Pflege surcharge; parents with two or more children under 25 pay 0.25 percentage points less per additional child, capped at one full point.

Employee vs. self-employed

Employees and their employer split the bill 50/50, except for the Pflege Kinderlosenzuschlag (employee-only) and the parent discount (employee-only). Self-employed members carry the full contribution themselves and are assessed on a minimum income of €1,318.33/month (§ 240 SGB V), even if actual earnings are lower.

What this estimate covers

KV (Krankenversicherung) and PV (Pflegeversicherung) only — the two components every statutory member pays. Pension, unemployment and tax deductions sit on top of this and aren't included. The figures assume the regular 14.6% rate (with Krankengeld), not the 14.0% reduced rate some self-employed members opt for.

Where the data comes from

Statutory rates are fixed by law (SGB V, SGB XI). Per-Kasse Zusatzbeiträge are published by the GKV-Spitzenverband and updated every January. We refresh this list at the start of each year. If you spot a stale rate, let us know and we'll fix it.

New to the German system? The PKV glossary explains terms like Beitragsbemessungsgrenze, Zusatzbeitrag and Pflegeversicherung in plain English.

Self-employed, or earning over €77,400?

Both groups can choose between GKV and PKV — self-employed at any income, employees once gross is above €77,400/year. We’ll show you what PKV would actually cost in your case.

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