AOK insurers 2026 at a glance
The AOK (Allgemeine Ortskrankenkasse) is one of Germany's largest health insurance families. It is split into 11 regional AOKs – each with its own supplementary contribution and dedicated federal state coverage.
| # | Health Insurance | Supplementary | Total Rate | Region | Action |
|---|---|---|---|---|---|
| 1 | AOK Rheinland-Pfalz/Saarland | 2,47 % | 17,07 % | Saarland, Rheinland-Pfalz | Details |
| 2 | AOK Bayern | 2,69 % | 17,29 % | Bayern | Details |
| 3 | AOK Sachsen-Anhalt | 2,89 % | 17,49 % | Sachsen-Anhalt | Details |
| 4 | AOK Hessen | 2,98 % | 17,58 % | Hessen | Details |
| 5 | AOK Niedersachsen | 2,98 % | 17,58 % | Niedersachsen | Details |
| 6 | AOK Baden-Württemberg | 2,99 % | 17,59 % | Baden-Württemberg | Details |
| 7 | AOK NordWest | 2,99 % | 17,59 % | Nordrhein-Westfalen, Schleswig-Holstein | Details |
| 8 | AOK PLUS | 3,10 % | 17,70 % | Sachsen, Thüringen | Details |
| 9 | AOK Bremen/Bremerhaven | 3,29 % | 17,89 % | Bremen | Details |
| 10 | AOK Rheinland/Hamburg | 3,29 % | 17,89 % | Hamburg, Nordrhein-Westfalen | Details |
| 11 | AOK Nordost | 3,50 % | 18,10 % | Berlin, Brandenburg, Mecklenburg-Vorpommern | Details |
As of: May 2026. Sorted ascending by supplementary contribution. Total = general rate (14,6%) + supplementary.
Frequently Asked Questions
How many AOKs are there in Germany?
There are 11 regional AOKs, each responsible for one or more federal states: AOK Baden-Württemberg, AOK Bayern, AOK Bremen/Bremerhaven, AOK Hessen, AOK Niedersachsen, AOK Nordost, AOK NordWest, AOK PLUS (Saxony/Thuringia), AOK Rheinland/Hamburg, AOK Rheinland-Pfalz/Saarland and AOK Sachsen-Anhalt.
Can I choose my AOK freely?
No. You can only choose the AOK of your place of residence or work. Anyone living or working in Bavaria can only become a member of AOK Bayern.
Which AOK has the cheapest supplementary contribution?
AOKs differ in their supplementary contribution rates. Check our table – it is sorted by contribution height (ascending).
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