Part of the topic: 💶 Taxes & salary
Health insurance additional rates 2026 (Zusatzbeitrag)
All statutory health insurers charge 14.6% plus their own additional rate. Enter your gross salary, choose your current insurer and compare – the table shows what you'd pay with every insurer.
All insurers 2026 (sorted by rate)
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How to use it
- Enter your gross monthly salary (we cap it at the contribution ceiling).
- Choose your current insurer and one to compare.
- Check the full table – switching is possible with two months' notice, or immediately when your insurer raises its rate.
Is switching worth it?
In 2026 the gap between cheap and expensive statutory insurers is about two percentage points in additional rate. On an average salary that quickly adds up to over a hundred euros a year for you – and the same for your employer. Switching is simple: apply to the new insurer and it handles the rest.
Besides the rate, compare extras such as bonus programmes, dental cleaning or osteopathy subsidies and service quality.
Last checked: October 2026 · Based on: 2026 supplementary contribution rates of German statutory health insurers. Found a mistake? Use the form below – we fix confirmed errors and update the date.
Frequently asked questions
Can I switch my health insurer?
Yes. After 12 months of membership you can switch with two months' notice to the end of a month. If your insurer raises its additional rate, you have a special right to cancel.
Does a lower rate mean worse cover?
The legally defined benefits are largely the same for all statutory insurers. Differences lie in extras (e.g. bonus programmes, travel vaccinations, osteopathy) and service.
Who pays the additional rate?
Employee and employer each pay half of the general rate and of the additional rate.