How Much Does Public Health Insurance Cost in Germany in 2025? Top Providers & Contribution Rates Explained
In 2025, the German public health insurance system (GKV) has seen adjustments in contribution rates and income thresholds. Below is an overview of prominent German statutory health insurance providers, their respective contribution rates for 2025, and the maximum monthly contributions for childless members, considering the income ceiling (Beitragsbemessungsgrenze) of €5,512.50 per month.
1. Techniker Krankenkasse (TK): With a total contribution rate of 17.05% (14.6% general rate + 2.45% additional rate), the maximum monthly contribution is €938.37. Including the long-term care insurance (Pflegepflichtversicherung) rate of 4.2% for childless members, an additional €231.53 is added, totaling €1,169.90 per month.
2. Allgemeine Ortskrankenkasse (AOK): The AOK branches have varying additional contribution rates. For instance, AOK Bayern has a total rate of 17.29% (14.6% + 2.69%), leading to a maximum monthly contribution of €952.12. With the 4.2% care insurance, the total is €1,183.65 per month.
3. Barmer GEK: Barmer’s total contribution rate is 17.89% (14.6% + 3.29%), resulting in a maximum monthly contribution of €985.33. Including the 4.2% care insurance, the total monthly payment is €1,216.86.
4. DAK-Gesundheit: With a total rate of 17.4% (14.6% + 2.8%), the maximum monthly contribution is €958.17. Adding the 4.2% care insurance brings the total to €1,189.70 per month.
5. Kaufmännische Krankenkasse (KKH): KKH has a total contribution rate of 18.38% (14.6% + 3.78%), leading to a maximum monthly contribution of €1,013.34. With the care insurance, the total monthly amount is €1,244.87.
6. HEK – Hanseatische Krankenkasse: HEK’s total rate is 17.1% (14.6% + 2.5%), resulting in a maximum monthly contribution of €942.64. Including the care insurance, the total is €1,174.17 per month.
7. Sozialversicherung für Landwirtschaft, Forsten und Gartenbau (SVLFG): As a specialized provider, specific contribution rates may vary. Generally, with the standard rates, the maximum contributions would align with the general calculations, totaling approximately €1,174.17 per month, including care insurance.
8. IKK classic: With a total contribution rate of 18.0% (14.6% + 3.4%), the maximum monthly contribution is €992.25. Adding the 4.2% care insurance brings the total to €1,223.78 per month.
These figures are based on the 2025 income ceiling of €5,512.50 per month and the respective contribution rates. The long-term care insurance rate for childless members is uniformly 4.2% across all providers. Please note that actual contributions may vary based on individual circumstances and specific provider policies.
Sources:
• Bundesgesundheitsministerium – Beiträge der gesetzlichen Krankenversicherung
• GKV-Spitzenverband – Beitragssätze der Pflegeversicherung
• Zusatzbeitrag.net – Zusatzbeiträge 2025
• GesetzlicheKrankenkassen.de – Aktuelle Zusatzbeiträge