In Hesse, you can choose between all nationwide health insurers as well as regional providers. These include major substitute funds such as Techniker Krankenkasse, BARMER and DAK-Gesundheit as well as regional AOKs and company health insurance funds. In total, over 45 health insurers are available to you.
Health Insurance in Hesse
Find the most affordable health insurer in Hesse - as of 2026
50
Health Insurers Available
2,18%
Lowest Additional Contribution
3,53%
Average in Hesse
Statutory Health Insurers in Hesse
Hesse is one of Germany's economically strongest states. In addition to nationwide health insurers such as Techniker Krankenkasse and BARMER, you have access to AOK Hesse as well as numerous company health insurance funds from major companies such as Bosch, Mercedes-Benz and ZF.
hkk - Handelskrankenkasse
Bundesweit
Supplementary Contribution
2,59%
Total Contribution
17,19%
Techniker Krankenkasse (TK)
Bundesweit
Supplementary Contribution
2,69%
Total Contribution
17,29%
WMF Krankenkasse
Bundesweit
Supplementary Contribution
2,85%
Total Contribution
17,45%
HEK - Hanseatische Krankenkasse
Bundesweit
Supplementary Contribution
2,89%
Total Contribution
17,49%
Continentale BKK
Bundesweit
Supplementary Contribution
3,33%
Total Contribution
17,93%
IKK Gesund Plus
Bundesweit
Supplementary Contribution
3,39%
Total Contribution
17,99%
BKK GILDEMEISTER SEIDENSTICKER
Bundesweit
Supplementary Contribution
3,40%
Total Contribution
18,00%
R+V Betriebskrankenkasse
Bundesweit
Supplementary Contribution
3,49%
Total Contribution
18,09%
BKK mkk - meine krankenkasse
Bundesweit
Supplementary Contribution
3,50%
Total Contribution
18,10%
BIG direkt gesund
Bundesweit
Supplementary Contribution
3,69%
Total Contribution
18,29%
KKH Kaufmännische Krankenkasse
Bundesweit
Supplementary Contribution
3,78%
Total Contribution
18,38%
BERGISCHE KRANKENKASSE
Regional
Supplementary Contribution
3,79%
Total Contribution
18,39%
Siemens-Betriebskrankenkasse (SBK)
Bundesweit
Supplementary Contribution
3,80%
Total Contribution
18,40%
BKK Verbund Plus
Bundesweit
Supplementary Contribution
3,89%
Total Contribution
18,49%
Heimat Krankenkasse
Bundesweit
Supplementary Contribution
3,90%
Total Contribution
18,50%
BKK WIRTSCHAFT UND FINANZEN
Regional
Supplementary Contribution
3,99%
Total Contribution
18,59%
VIACTIV Krankenkasse
Bundesweit
Supplementary Contribution
4,19%
Total Contribution
18,79%
IKK - Die Innovationskasse
Bundesweit
Supplementary Contribution
4,30%
Total Contribution
18,90%
BKK WERRA-MEISSNER
Regional
Supplementary Contribution
4,35%
Total Contribution
18,95%
Additional Contribution Comparison Hesse 2026
All health insurers sorted by additional contribution - from affordable to expensive:
| # | Health Insurer | Additional Contribution | Total Contribution | Availability | Action |
|---|---|---|---|---|---|
| 1 | BKK firmus | 2,18% | 16,78% | Bundesweit | Switch |
| 2 | TUI BKK | 2,50% | 17,10% | Bundesweit | Switch |
| 3 | hkk - Handelskrankenkasse | 2,59% | 17,19% | Bundesweit | Switch |
| 4 | Audi BKK | 2,60% | 17,20% | Bundesweit | Switch |
| 5 | Techniker Krankenkasse (TK) | 2,69% | 17,29% | Bundesweit | Switch |
| 6 | WMF Krankenkasse | 2,85% | 17,45% | Bundesweit | Switch |
| 7 | HEK - Hanseatische Krankenkasse | 2,89% | 17,49% | Bundesweit | Switch |
| 8 | AOK Hessen | 2,98% | 17,58% | Regional | Switch |
| 9 | SKD BKK | 2,98% | 17,58% | Regional | Switch |
| 10 | BKK Freudenberg | 2,99% | 17,59% | Regional | Switch |
| 11 | Linde BKK | 2,99% | 17,59% | Bundesweit | Switch |
| 12 | Bosch BKK | 3,18% | 17,78% | Regional | Switch |
| 13 | Bertelsmann BKK | 3,20% | 17,80% | Regional | Switch |
| 14 | DAK Gesundheit | 3,20% | 17,80% | Bundesweit | Switch |
| 15 | Debeka | 3,25% | 17,85% | Bundesweit | Switch |
| 16 | BARMER | 3,29% | 17,89% | Bundesweit | Switch |
| 17 | Salus BKK | 3,29% | 17,89% | Bundesweit | Switch |
| 18 | Continentale BKK | 3,33% | 17,93% | Bundesweit | Switch |
| 19 | IKK Gesund Plus | 3,39% | 17,99% | Bundesweit | Switch |
| 20 | BKK GILDEMEISTER SEIDENSTICKER | 3,40% | 18,00% | Bundesweit | Switch |
| 21 | ZF BKK | 3,40% | 18,00% | Regional | Switch |
| 22 | R+V Betriebskrankenkasse | 3,49% | 18,09% | Bundesweit | Switch |
| 23 | BKK mkk - meine krankenkasse | 3,50% | 18,10% | Bundesweit | Switch |
| 24 | Novitas BKK | 3,60% | 18,20% | Bundesweit | Switch |
| 25 | BAHN-BKK | 3,65% | 18,25% | Bundesweit | Switch |
| 26 | BIG direkt gesund | 3,69% | 18,29% | Bundesweit | Switch |
| 27 | pronova BKK | 3,70% | 18,30% | Bundesweit | Switch |
| 28 | KKH Kaufmännische Krankenkasse | 3,78% | 18,38% | Bundesweit | Switch |
| 29 | BERGISCHE KRANKENKASSE | 3,79% | 18,39% | Regional | Switch |
| 30 | BKK ProVita | 3,79% | 18,39% | Bundesweit | Switch |
| 31 | vivida bkk | 3,79% | 18,39% | Bundesweit | Switch |
| 32 | BKK Diakonie | 3,80% | 18,40% | Regional | Switch |
| 33 | Siemens-Betriebskrankenkasse (SBK) | 3,80% | 18,40% | Bundesweit | Switch |
| 34 | IKK classic | 3,85% | 18,45% | Bundesweit | Switch |
| 35 | mhplus | 3,86% | 18,46% | Regional | Switch |
| 36 | IKK Südwest | 3,87% | 18,47% | Bundesweit | Switch |
| 37 | BKK Mobil Oil | 3,89% | 18,49% | Bundesweit | Switch |
| 38 | BKK Verbund Plus | 3,89% | 18,49% | Bundesweit | Switch |
| 39 | BKK Melitta HMR | 3,90% | 18,50% | Regional | Switch |
| 40 | BKK Pfalz | 3,90% | 18,50% | Bundesweit | Switch |
| 41 | Heimat Krankenkasse | 3,90% | 18,50% | Bundesweit | Switch |
| 42 | SECURVITA BKK | 3,90% | 18,50% | Regional | Switch |
| 43 | energie BKK | 3,98% | 18,58% | Bundesweit | Switch |
| 44 | BKK WIRTSCHAFT UND FINANZEN | 3,99% | 18,59% | Regional | Switch |
| 45 | VIACTIV Krankenkasse | 4,19% | 18,79% | Bundesweit | Switch |
| 46 | IKK - Die Innovationskasse | 4,30% | 18,90% | Bundesweit | Switch |
| 47 | Knappschaft | 4,30% | 18,90% | Bundesweit | Switch |
| 48 | BKK WERRA-MEISSNER | 4,35% | 18,95% | Regional | Switch |
| 49 | BKK Herkules | 4,38% | 18,98% | Regional | Switch |
| 50 | BKK24 | 4,39% | 18,99% | Bundesweit | Switch |
Health Insurance Switch in Hesse
Regional AOK in Hesse
AOK Hesse is the regional AOK for the state and one of Germany's largest health insurers. It offers comprehensive additional benefits and a dense network of local offices.
Savings Potential in Hesse
By switching to the most affordable health insurer in Hesse, you can save up to 600€ per year. The difference between the most expensive and cheapest insurer amounts to several percentage points.
How the Switch Works
Switching health insurers is simple: After 12 months of membership or in case of contribution increase, you can switch. The new insurer automatically cancels with the old one - you don't have to do anything.
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Frequently Asked Questions about Health Insurance in Hesse
The average additional contribution in Germany is 2,9% (as of 2026). In Hesse, additional contributions vary depending on the health insurer between 0.70% and 2.70%. Nationwide insurers often offer the most affordable contributions.
A regular switch is possible after 12 months of membership. In case of an increase in the additional contribution, you have a special right of termination and can switch immediately. The notice period is 2 months to the end of the month. The new health insurer will handle the cancellation for you.
About 95% of benefits are legally required and the same for all health insurers. Differences exist in statutory benefits: bonus programs, subsidies for preventive care, alternative healing methods, teeth cleaning and other extras. Compare not only the contribution but also the additional benefits.