What do I pay for voluntary health insurance as an employee?

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As an employee, you are voluntarily insured if your regular income in 2026 exceeds the social security threshold of 77,400 EUR. You are generally required to pay the contributions to health and long-term care insurance yourself. Your employer pays their monthly share to health and long-term care insurance together with your salary.

05.02.2026

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Contribution calculator

As a rule, your employer makes the payment and deducts your share of contributions to health and long-term care insurance from your salary. This is then paid directly to us together with the contributions to pension and unemployment insurance.

Share of contributions to health and long-term care insurance paid by your employer

Your employer pays half of the general contribution amounting to 7.3 per cent. They also pay half of the additional contribution rate which is 1.345 per cent of a total of 2.69 per cent. You and your employer pay 8.645 per cent each in 2026.

Here you can calculate your personal contribution rate:

Calculate your contribution rate