This calculator helps you choose health insurance in Germany. It tells you how much health insurance costs in 2025, and how to pay less.
Health insurance calculator
You pay the employee tarif. Your health insurance costs a percentage of your income. Your employer pays half of it.
Base cost
The base cost is the same with every public health insurer. The base cost is 14.6% of your income.
Insurer surcharge
Health insurers can charge a little more than the base cost. The surcharge (Zusatzbeitrag) is around 2.5% of your income.
Nursing care insurance
Nursing care insurance (Pflegeversicherung) costs the same with every public health insurer. It costs 4.2% of your income, because you are over 22 years old and you don't have children.
Your employer pays
When you are an employee, your employer pays half of your health insurance.
You pay
This is how much you pay every month for public health insurance.
You can also try Feather’s health insurance recommendation tool.
Cost of German health insurance
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.
If you are self-employed, you pay by SEPA transfer every month. If you give your health insurer a direct debit authorisation, the payments are automatic.
How to choose health insurance
Read my German health insurance guide, then talk to a health insurance broker. A broker will help you choose the best health insurance for your needs.
How to choose German health insurance
Ask a health insurance expert
Dr. Rob Schumacher answers your questions for free. He is an independent insurance broker at Feather. I work with him since 2018.