German health insurance calculator

This tool helps you choose the best German health insurance. It explains your options, and shows how much health insurance costs in 2025.

Health insurance picker

The cost of health insurance depends on your situation. This tool tells you how much you should pay.

How to choose health insurance

Cost of German health insurance

Public health insurance costs 18.79% to 21.7% of your income (including long-term care insurance). Your employer pays half of it. The cost is not affected by your age, your health condition, or how often you get sick.

Cost of public health insurance

The cost of private health insurance depends on your age, your health condition, and the coverage you choose. If you have a high income, it might be cheaper than public health insurance.

Cost of private health insurance

How to choose health insurance

Read my health insurance guide, and ask my insurance expert to help you choose.

How to choose health insurance