Public vs private health insurance calculator

You pay a percentage of your gross salary up to the contribution ceiling of 5,812.50 EUR a month: 14.6% general rate plus the additional contribution of your fund (2.9% statutory average), plus long-term care. Employees split it roughly half and half with the employer, so an employee at the ceiling pays about 648 EUR a month without children at the 2.9% average.

Employees earning more than 77,400 EUR gross a year (2026), self-employed people and freelancers regardless of income, and civil servants. Use our eligibility check to confirm in under a minute.

Your employer pays half of your private premium, capped at what it would pay for public cover at the contribution ceiling: about 613 EUR a month in 2026 including long-term care.

In public health insurance a non-working spouse and the children are covered free. In private health insurance each person has their own contract; a child costs roughly 100 to 120 EUR a month for standard cover. For a single-income family with two or more children, public health insurance can be cheaper, and the calculator shows that honestly.

Private premiums are calculated by entry age, not by income, and part of every premium builds old-age reserves from the first month. The longer you stay, the more those reserves work for you. Public contributions rise with every salary increase and every rise of the contribution ceiling.

Public figures use the official 2026 rates. Private figures are our estimate for a healthy applicant with standard cover and no deductible. Your actual premium depends on your health, the plan and the deductible. Get a free comparison of all insurers for your exact numbers.