Your financial start
Health Insurance Calculator
Public (GKV) or private (PKV) — which is worth it for you? Enter your details and get a direct comparison of both options for 2026.
Your details
Age30 years
Gross annual income€55,000
Contribution base used: €4,583/yr capped at BBG €69,750 • ≈ €4,583/month
Employment status
Marital status
Federal state
Additional contribution rate of your fund
%
Market average as of 01/01/2026: 3.13%
Enter your details and click “Calculate now”.
Note: this calculation is a first estimate for 2026 based on statutory figures (JAEG €77,400 and BBG €69,750 per year) and a modelled PKV bandwidth. Individual tariffs, health check, civil-servant subsidy and insurance history can lead to different results. Switching between GKV and PKV also changes deductible pension expenses — and usually your monthly wage tax.