Barmer health insurance, explained
One of Germany's three largest public Krankenkassen. Strong reputation for prevention programmes and member service.
Why people choose Barmer
Best for: Members who value prevention programmes (Bonusprogramme) and broad service offerings.
Founded 1884 (formed from merger 2010)
Established 1884 (formed from merger 2010). ≈8.6 million members.
Zusatzbeitrag (2026): 3.29%
On top of the 14.6% base rate, every Krankenkasse charges its own Zusatzbeitrag. Barmer sits at 3.29% in 2026, above the statutory average of 2.9% and above TK at 2.69%.
Standard public benefits
Same statutory benefit catalogue as every public insurer — Krankenkassen mainly differ on service and additional benefits.
Switching is easy
You can switch Krankenkassen with two months' notice. Cancellation is straightforward and benefits continue uninterrupted.
Barmer at a glance
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Earning above €77,400? Barmer is not your only option
At 3.29% Barmer is one of the more expensive large Krankenkassen, and above the 2026 income threshold of €77,400 gross a year you are not required to stay public at all. The self-employed and civil servants can switch at any income. A private tariff is priced on your age and the cover you pick, with your employer still paying half.
Common questions
Related guides
Two more pages that come up most often when people are at this stage.