Estimate Your Health Insurance Costs
See what you'd pay for public (GKV) vs private (PKV) insurance based on your income, age, and employment. Includes employer contributions and tax benefits.
Your Information
Fill in your occupation, income, and personal details to get an estimated comparison of GKV vs PKV monthly costs.
Important Disclaimers
Estimates only: This calculator provides approximate figures based on standard 2026 contribution rates (GKV: 14.6% + 1.7% supplementary + 3.4% nursing care). Actual PKV premiums depend on your health status, chosen tariff, deductible, and insurer.
JAEG threshold 2026: Employees must earn above EUR 77,400 per year (gross) to be eligible for PKV. Self-employed and civil servants have no income threshold.
Not financial advice: This tool is for informational purposes only. We strongly recommend consulting a licensed insurance advisor before making any insurance decisions. Individual circumstances vary significantly.
BBG 2026: The GKV contribution ceiling (Beitragsbemessungsgrenze) is EUR 69,750 per year. Income above this amount is not subject to GKV contributions.
Want a Personalized Recommendation?
An independent advisor can help you find the best insurance option for your situation — whether that is GKV, PKV, incoming cover, or a combination.