Compare German public and private health-insurance costs
Enter income and the total contribution of a specific German private-insurance offer. The statutory-insurance share, ceiling and possible employer subsidy are calculated automatically.
Compare statutory and private insurance costs as a scenario
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Enter your gross monthly salary and the total contribution of a specific German private-insurance offer.
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Select the number of qualifying children; add a deductible or different additional contribution only when needed.
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Compare only your own costs. Benefits and long-term contribution trends require a separate decision.
If you need a bespoke version
You can keep using this free tool as it is. If you need a bespoke version with your own rules, data or workflows for a website, shop or internal process, I can build it for you – for example with custom rules and data sources, approvals and exports, and website or shop integration.
How this tool calculates
The statutory-insurance share is calculated using German 2026 rates and ceiling. The employer subsidy for private insurance is limited to half the contribution and the statutory maximum.
Your inputs and results remain on your device. Reloading the page restores the default values.
Data status and limitations
- Reference year
- 2026
- Calculation basis as of
- 2026-07-18
- Primary source
- Federal Ministry of Health: social-security figures and long-term care insurance for 2026
- Scope
- Germany, employees covered by statutory social insurance
- Not included
- Individual levies, special groups, one-off payments and differing insurer or payroll rules
Terms used in this calculation
- Deductible
- Health costs you initially or fully pay yourself each year.
- Employer subsidy
- The employer's contribution to private health-insurance costs.
- Scenario comparison
- A mathematical cost comparison using your inputs, not a tariff or benefit comparison.
Frequently asked questions
Does the calculator recommend statutory or private insurance?
No. It compares only the entered personal monthly costs.
Why is the deductible spread across the month?
This makes an expected annual amount comparable with monthly contributions.