You make less than per month, so your employer pays for your health insurance.
If you can't get free health insurance, it costs
Public health insurance
is your only option. It costs
per month, depending on the insurer.
It's usually the cheapest option, because it covers your {{ childrenCount }} children for free.
If you are over 45 years old, it's usually the cheapest option.
Public health insurance is usually the best option for students under 30 years old.
You work more than 20 hours per week, so you can't get the student tarif.
You are over 30 years old, so you can't get the student tariff. Private health insurance might be cheaper than public.
If you make less than per year, it's the safest option.
You must choose an insurer. There are dozens of options, but their cost and coverage are almost the same.
You pay the {{ tarifName }} tarif.
Your health insurance costs a percentage of your income. Your employer pays half of it.
Your health insurance costs a percentage of your income.
Your health insurance has a fixed price.
You pay the minimum price.
Your health insurance costs a percentage of your income.
It's a cheaper tarif for low-income jobs.
You make less than per month, so you don't pay for health insurance. Your employer pays for it.
You can't get the student tarif because you are over 30 years old.
You can't get the student tarif because you work more than 20 hours per week.
You can't get the student tarif because your income is too high.
Base cost
You have a minijob, so you pay the minimum price. It's {{ baseContributionRate }} of }}.
You make less than per month, so you pay the minimum price. It's {{ baseContributionRate }} of .
You make more than per month, so you pay the maximum price. It's {{ baseContributionRate }} of .
You make less than per month, so you pay the midijob tarif. It's cheaper than the normal tarif.
You pay the student tarif; the base cost is a fixed price.
You pay {{ baseContributionRate }} of your income.
This cost is the same for all insurers.
Insurer surcharge
Insurers can charge more for better services. Each insurer has a different surcharge. The average surcharge is {{ formatPercent(healthInsurance.avgZusatzbeitrag * 100) }} of your income.
Long-term care insurance
You pay the maximum price, because you make more than per month.
You pay {{ formatPercent(result.pflegeversicherung.totalRate * 100) }} of your income.
You pay more because you are over {{ pflegeversicherung.defaultTarifMaxAge }} years old and you don't have children.
You pay less because you are under {{ pflegeversicherung.defaultTarifMaxAge + 1 }} years old.
You pay less because you have children.
The cost is the same for all insurers.
Your employer pays
You are self-employed, so you don't get help from an employer.
When you make less than per month, your employer pays for your health insurance.
You are unemployed, so you don't get help from an employer.
When you have a minijob, your employer does not pay for your health insurance.
Your employer pays half of your health insurance.
Your employer pays part of your health insurance.
You pay
/month
This is what you pay for public health insurance.
You make more than per month, so you pay the maximum price.
You pay the minimum price, because you make less than per month.
You pay nothing, because you make less than per month. Your employer pays for your insurance.
This is a tax-deductible expense.
Private health insurance
You can't choose private health insurance because your income is too low.
If you are young and well-paid, private health insurance is usually cheaper and better.
If you are over 45 years old, private health insurance is usually more expensive than public, but you can get better coverage and see doctors faster.
Private health insurance often the best option for freelancers. It might be your only option, because public health insurers can reject you.
If you earn less than per year, private health insurance is usually a bad idea. Insurers might reject you because your income is too low.
You can get private health insurance, but most insurers reject unemployed people.
You can choose private health insurance.
For students over 30 years old, private might can be cheaper than public.
For students under 30 years old, private is usually more expensive than public, but you can get better coverage and see doctors faster.
The cost of public health insurance is a percentage of your income. The cost of private health insurance depends on your age and health condition when you sign up.
How to pay for your health insurance
If you are an employee, health insurance is automatically deducted from your paychecks.