Statutory (GKV) contributions scale with your salary; private (PKV) premiums scale with your age and health. See both, and whether you're even eligible to switch.
Updated 13 August 2026
| GKV | Rate (employee share) |
|---|---|
| General contribution | 7.3% |
| Average Zusatzbeitrag (2025โ26) | ~1.25% |
| Long-term care (Pflegeversicherung) | 1.8% (+0.6% if childless & 23+) |
Employed contributions are capped at the 2025 Beitragsbemessungsgrenze (โโฌ66,150/year gross); self-employed voluntary GKV members pay both halves themselves on the same capped income.
