Additional contribution of every health fund: the full list
71 funds are open to anyone in at least one state, from 2.18 % to 4.39 %; 14 are below the official average of 2.9 %.
Checked by Radif Partners · Editorial policy · How we calculate
71 funds · your share as an employee with one child, health and care insurance together
| Fund | open in | Add. rate | You pay/month |
|---|---|---|---|
| BKK firmus | 10 states | 2.18 % | €387 |
| AOK Rheinland-Pfalz/Saarland | Rhineland-Palatinate, Saarland | 2.47 % | €393 |
| BKK Faber-Castell & Partner | Bavaria | 2.48 % | €393 |
| BKK Public | Hamburg, Lower Saxony, North Rhine-Westphalia | 2.50 % | €393 |
| TUI BKK | nationwide | 2.50 % | €393 |
| hkk | nationwide | 2.59 % | €395 |
| Audi BKK | nationwide | 2.60 % | €395 |
| AOK Bayern | Bavaria | 2.69 % | €397 |
| Techniker Krankenkasse (TK) | nationwide | 2.69 % | €397 |
| BKK Pfaff | Rhineland-Palatinate | 2.78 % | €399 |
| BKK Schwarzwald-Baar-Heuberg | Baden-Württemberg | 2.79 % | €399 |
| WMF BKK | nationwide | 2.85 % | €400 |
| AOK Sachsen-Anhalt | Saxony-Anhalt | 2.89 % | €401 |
| HEK | nationwide | 2.89 % | €401 |
| AOK Hessen | Hesse | 2.98 % | €402 |
| AOK Niedersachsen | Lower Saxony | 2.98 % | €402 |
| SKD BKK | 11 states | 2.98 % | €402 |
| AOK Baden-Württemberg | Baden-Württemberg | 2.99 % | €403 |
| AOK NordWest | North Rhine-Westphalia, Schleswig-Holstein | 2.99 % | €403 |
| BKK Freudenberg | 8 states | 2.99 % | €403 |
| BKK Linde | nationwide | 2.99 % | €403 |
| AOK PLUS | Saxony, Thuringia | 3.10 % | €405 |
| Bosch BKK | 14 states | 3.18 % | €406 |
| BKK VDN | Hamburg, North Rhine-Westphalia, Saxony | 3.19 % | €406 |
| Bertelsmann BKK | 10 states | 3.20 % | €407 |
| DAK-Gesundheit | nationwide | 3.20 % | €407 |
| Debeka BKK | nationwide | 3.25 % | €408 |
| AOK Bremen/Bremerhaven | Bremen | 3.29 % | €408 |
| AOK Rheinland/Hamburg | Hamburg, North Rhine-Westphalia | 3.29 % | €408 |
| BARMER | nationwide | 3.29 % | €408 |
| Salus BKK | nationwide | 3.29 % | €408 |
| Continentale BKK | nationwide | 3.33 % | €409 |
| BKK Akzo Nobel Bayern | Bavaria | 3.39 % | €410 |
| BKK EUREGIO | Hamburg, North Rhine-Westphalia | 3.39 % | €410 |
| IKK gesund plus | nationwide | 3.39 % | €410 |
| BKK Gildemeister Seidensticker | nationwide | 3.40 % | €410 |
| ZF BKK | 14 states | 3.40 % | €410 |
| BKK Herkules | Bavaria, Hesse, Lower Saxony | 3.48 % | €412 |
| BKK exklusiv | 6 states | 3.49 % | €412 |
| BKK Technoform | Baden-Württemberg, Bavaria, Lower Saxony, Rhineland-Palatinate | 3.49 % | €412 |
| R+V BKK | nationwide | 3.49 % | €412 |
| AOK Nordost | Brandenburg, Berlin, Mecklenburg-Western Pomerania | 3.50 % | €412 |
| BKK mkk | nationwide | 3.50 % | €412 |
| novitas bkk | nationwide | 3.60 % | €414 |
| BAHN-BKK | nationwide | 3.65 % | €415 |
| BIG direkt gesund | nationwide | 3.69 % | €416 |
| Pronova BKK | nationwide | 3.70 % | €416 |
| KKH | nationwide | 3.78 % | €418 |
| Bergische Krankenkasse | Hesse, Hamburg, North Rhine-Westphalia | 3.79 % | €418 |
| BKK ProVita | nationwide | 3.79 % | €418 |
| vivida bkk | nationwide | 3.79 % | €418 |
| BKK Diakonie | 14 states | 3.80 % | €418 |
| SBK | nationwide | 3.80 % | €418 |
| IKK classic | nationwide | 3.85 % | €419 |
| mhplus BKK | 14 states | 3.86 % | €419 |
| IKK Südwest | Hesse, Rhineland-Palatinate, Saarland | 3.87 % | €419 |
| BKK DürkoppAdler | North Rhine-Westphalia | 3.88 % | €420 |
| BKK Mobil (Mobil Krankenkasse) | nationwide | 3.89 % | €420 |
| BKK VerbundPlus | nationwide | 3.89 % | €420 |
| bkk melitta hmr | 10 states | 3.90 % | €420 |
| BKK Pfalz | nationwide | 3.90 % | €420 |
| Heimat Krankenkasse | nationwide | 3.90 % | €420 |
| SECURVITA BKK | 14 states | 3.90 % | €420 |
| energie-BKK | nationwide | 3.98 % | €421 |
| BKK Scheufelen | Baden-Württemberg | 3.99 % | €422 |
| BKK Wirtschaft & Finanzen | 12 states | 3.99 % | €422 |
| VIACTIV | nationwide | 4.19 % | €425 |
| IKK - Die Innovationskasse | nationwide | 4.30 % | €428 |
| KNAPPSCHAFT | nationwide | 4.30 % | €428 |
| BKK Werra-Meissner | Bavaria, Hesse | 4.35 % | €428 |
| BKK24 | nationwide | 4.39 % | €429 |
The GKV-Spitzenverband, the umbrella body of Germany’s statutory health funds, must keep the additional contribution rates (Zusatzbeitrag) of all funds published online (section 242(5) of Book V of the Social Code). We read that list every day. As of 15 October 2026: 91 funds charge an additional rate, 34 of them open nationwide, 37 only in particular states and 20 only to the staff of their sponsoring company. Among the 71 funds open to the public, rates run from 2.18 % to 4.39 %; the unweighted mean is 3.4 % and the median 3.4 %, against an official average additional rate of 2.9 % for 2026. The table below shows each fund with what an employee on your gross pay would pay there. One point for the turn of the year: the official list shows a new rate only from the day it applies, so a rise in January appears on 1 January.
Cheapest health fund in each state
Which funds you may join depends on the state where you live or work; either one is enough. Commuters, say from Lower Saxony into Bremen or from Brandenburg into Berlin, can choose from both lists. The table gives each state’s cheapest open fund, its own AOK and the gap between the cheapest and the most expensive fund; the “state” filter above shows a state’s full ranking.
| State | open | cheapest fund | AOK | spread a year |
|---|---|---|---|---|
| Baden-Württemberg | 49 | BKK firmus, 2.18 % | AOK Baden-Württemberg, 2.99 % | €504 |
| Bavaria | 51 | BKK firmus, 2.18 % | AOK Bayern, 2.69 % | €504 |
| Berlin | 45 | BKK firmus, 2.18 % | AOK Nordost, 3.50 % | €504 |
| Brandenburg | 41 | TUI BKK, 2.50 % | AOK Nordost, 3.50 % | €431 |
| Bremen | 43 | BKK firmus, 2.18 % | AOK Bremen/Bremerhaven, 3.29 % | €504 |
| Hamburg | 48 | BKK firmus, 2.18 % | AOK Rheinland/Hamburg, 3.29 % | €504 |
| Hesse | 50 | BKK firmus, 2.18 % | AOK Hessen, 2.98 % | €504 |
| Lower Saxony | 50 | BKK firmus, 2.18 % | AOK Niedersachsen, 2.98 % | €504 |
| Mecklenburg-Western Pomerania | 41 | TUI BKK, 2.50 % | AOK Nordost, 3.50 % | €431 |
| North Rhine-Westphalia | 53 | BKK firmus, 2.18 % | AOK NordWest, 2.99 % | €504 |
| Rhineland-Palatinate | 45 | AOK Rheinland-Pfalz/Saarland, 2.47 % | AOK Rheinland-Pfalz/Saarland, 2.47 % | €438 |
| Saarland | 41 | AOK Rheinland-Pfalz/Saarland, 2.47 % | AOK Rheinland-Pfalz/Saarland, 2.47 % | €438 |
| Saxony | 47 | BKK firmus, 2.18 % | AOK PLUS, 3.10 % | €504 |
| Saxony-Anhalt | 42 | BKK firmus, 2.18 % | AOK Sachsen-Anhalt, 2.89 % | €504 |
| Schleswig-Holstein | 41 | TUI BKK, 2.50 % | AOK NordWest, 2.99 % | €431 |
| Thuringia | 40 | TUI BKK, 2.50 % | AOK PLUS, 3.10 % | €431 |
Two quirks change the contribution by state. In Saxony employees pay 0.5 percentage points more care contribution than elsewhere, because the state kept its public holiday in 1995; what counts is where you work (work out the care contribution). And an AOK is tied to its region: AOK Rheinland/Hamburg covers Hamburg and the Rhineland, AOK Nordost Berlin, Brandenburg and Mecklenburg-Western Pomerania, AOK PLUS Saxony and Thuringia, AOK NordWest Westphalia-Lippe and Schleswig-Holstein. The rate is the same throughout; only the choice alongside it changes.
Types of fund at a glance
| Type | Funds with a rate | lowest | highest |
|---|---|---|---|
| AOK (regional funds) | 11 | 2.47 % | 3.50 % |
| Substitute funds | 6 | 2.59 % | 3.78 % |
| Company funds (BKK) | 69 | 2.18 % | 4.39 % |
| Guild funds (IKK) | 4 | 3.39 % | 4.30 % |
| KNAPPSCHAFT | 1 | 4.30 % | 4.30 % |
The social insurance for agriculture, forestry and horticulture (SVLFG) charges no additional rate and only covers people working in farming; it is left out of the counts. For everyone else the additional rate is the only part of the contribution that differs between funds. The general rate (14.6 %), the contribution ceiling and the care contribution are the same everywhere.
Changes since recording began
No rate has changed since recording began on 15 October 2026. Every change will appear here with the day it shows up in the official list.
How to read the table
The “you pay” column uses the gross pay in the field above, as an employee with one child, health and care insurance together; for a pension, self-employment or studies use the contribution calculator. The order comes from the rate alone, not from benefits or service. If you want to switch, the switching calculator gives the deadlines.