Compare what public health insurance costs you with a private quote: today, with a partner and children, and projected to retirement.
Health insurance is mandatory in Germany. Most people are in the public system (GKV): you pay a share of your salary, in 2026 on average 17.5 % plus 3.6 % for long-term care, up to a ceiling of €5,812.50 per month. Employees pay about half, the employer the rest. A partner without income and children are covered for free.
Employees earning more than €77,400 a year (€6,450 a month) in 2026, the self-employed and civil servants. If you arrive in Germany with a contract above this threshold, you can choose private insurance from day one.
Private premiums depend on age, health and the plan, not on income. For young, healthy high earners they are often lower and include better service. They get expensive with a family, because every child needs its own policy, and in old age after decades of increases.
Returning from private to public insurance is only possible under strict conditions and practically impossible from age 55. If you plan to stay in Germany, compare with your family and retirement in mind.
Yes. Everyone living in Germany must have health insurance, either public or private. Employees are automatically enrolled in public insurance unless they earn above the threshold and choose private.
In 2026 about 8.75 % of your gross salary plus 1.8 to 2.4 % for long-term care, up to a ceiling of €5,812.50 per month. Your employer pays the same amount again.
Yes, if they are self-employed or earn more than €77,400 a year as employees. Some visa applicants need insurance before they arrive and buy expat or incoming plans.