The cheapest statutory health insurers 2026
Top 15 cheapest German statutory health insurers, sorted by supplementary contribution. The range is from 2,18 % at the cheapest to 4,39 % at the most expensive insurer – a significant difference of around 2 percentage points.
| # | Health Insurance | Supplementary | Total Rate | Region | Action |
|---|---|---|---|---|---|
| 1 | BKK firmus | 2,18 % | 16,78 % | Bundesweit | Details |
| 2 | hkk - Handelskrankenkasse | 2,19 % | 16,79 % | Bundesweit | Details |
| 3 | TUI BKK | 2,50 % | 17,10 % | Bundesweit | Details |
| 4 | Audi BKK | 2,60 % | 17,20 % | Bundesweit | Details |
| 5 | Techniker Krankenkasse (TK) | 2,69 % | 17,29 % | Bundesweit | Details |
| 6 | WMF Krankenkasse | 2,85 % | 17,45 % | Bundesweit | Details |
| 7 | HEK - Hanseatische Krankenkasse | 2,89 % | 17,49 % | Bundesweit | Details |
| 8 | SKD BKK | 2,98 % | 17,58 % | Bundesweit | Details |
| 9 | BKK Freudenberg | 2,99 % | 17,59 % | Bundesweit | Details |
| 10 | Bosch BKK | 3,18 % | 17,78 % | Bundesweit | Details |
| 11 | Bertelsmann BKK | 3,20 % | 17,80 % | Bundesweit | Details |
| 12 | DAK Gesundheit | 3,20 % | 17,80 % | Bundesweit | Details |
| 13 | Debeka | 3,25 % | 17,85 % | Bundesweit | Details |
| 14 | BARMER | 3,29 % | 17,89 % | Bundesweit | Details |
| 15 | Salus BKK | 3,29 % | 17,89 % | Bundesweit | Details |
As of: May 2026. Sorted ascending by supplementary contribution. Total = general rate (14,6%) + supplementary.
Frequently Asked Questions
Which is the cheapest statutory health insurer in Germany 2026?
The cheapest nationwide statutory health insurer in 2026 has a supplementary contribution rate of 2.18 %. Overall, supplementary contributions range between 2.18 % and 4.39 %, with an average of 2.9 %.
How much can I save by switching health insurers?
With a gross monthly income of 4,000 €, you can save up to 44 € per month or 530 € per year by switching from the most expensive to the cheapest insurer (employee share).
Do cheaper insurers offer worse benefits?
No. Statutory benefits are identical across all insurers (around 95 % of all services). Differences only exist in voluntary supplementary benefits such as osteopathy, travel vaccinations, or bonus programs.
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