Health Insurance Calculator
Estimate how much you'd pay for private health insurance (PKV) compared to public insurance (GKV). Select your occupation to get started.
What is your occupation?
Select your current employment status in Germany.
How It Works
Calculates Your GKV Cost
Based on your income, including nursing care contributions.
Estimates PKV Premiums
Using your age and occupation to estimate a realistic range.
Factors In Employer Help
If employed, your employer pays roughly half of both GKV and PKV.
Checks Eligibility
Employees must earn above the JAEG threshold — we check that for you.
Key Numbers for 2026
- PKV income threshold (JAEG)
- €77,400
- GKV contribution ceiling (BBG)
- €69,750
- GKV rate (incl. Zusatzbeitrag)
- 16.3%
- Nursing care rate
- 3.4% (4.0% w/o kids)
Frequently Asked Questions
PKV premiums depend on age, health, and chosen tariff. A healthy 30-year-old can expect €220-480/month before employer contribution. Use our calculator for a personalized estimate.
For young, healthy professionals earning above €77,400/year, PKV is often cheaper than GKV while offering better coverage. GKV contributions scale with income up to the ceiling, while PKV premiums are based on age and health.
Employees need a gross annual income above €77,400 (2026 threshold) for at least one year. Freelancers and self-employed can switch to PKV regardless of income.