AOK Nordost: additional rate in Berlin, Brandenburg and MV
AOK Nordost charges 3.50 %, the highest rate of any AOK; on €3,800 gross you pay €412 a month.
Checked by Radif Partners · Editorial policy · How we calculate
Your contribution at AOK Nordost, 2026
€412
a month · additional rate 3.50 %
| Contributory income | €3,800 |
|---|---|
| Health insurance (14.6 % + 3.50 %), your share | €344 |
| of which AOK Nordost additional rate | €67 |
| Long-term care | €68 |
| You pay a month | €412 |
| Employer adds | €412 |
| A year (your share) | €4,948 |
Cheapest fund open in Berlin: BKK firmus (2.18 %). You would pay €301 less a year. Rank 22 of 45.
Chosen today: new fund from 1 January 2027, provided you have been a member for at least twelve months.
Step-by-step calculation
- Income €3,800 → contributory €3,800 (ceiling 2026: €5,813 a month).
- Health: 14.6 % general or reduced rate plus 3.50 % AOK Nordost additional rate, split half and half with the employer.
- Care: 3.6 %.
Estimate under Books V and XI of the Social Code. Your fund’s or employer’s calculation is binding. How we calculate
All 45 funds you can join in Berlin, in euros
| # | Fund | Add. rate | You pay/month | vs today/year |
|---|---|---|---|---|
| 1 | BKK firmus · regional | 2.18 % | €387 | −€301 |
| 2 | TUI BKK | 2.50 % | €393 | −€228 |
| 3 | hkk | 2.59 % | €395 | −€207 |
| 4 | Audi BKK | 2.60 % | €395 | −€205 |
| 5 | Techniker Krankenkasse (TK) | 2.69 % | €397 | −€185 |
| 6 | WMF BKK | 2.85 % | €400 | −€148 |
| 7 | HEK | 2.89 % | €401 | −€139 |
| 8 | SKD BKK · regional | 2.98 % | €402 | −€119 |
Minus = you pay less a year than at AOK Nordost. Company funds open only to their own staff are left out.
AOK Nordost is the regional health fund for Berlin, Brandenburg and Mecklenburg-Western Pomerania, and the GKV-Spitzenverband list shows it open in exactly those three states. Its additional contribution (Zusatzbeitrag) is 3.50 %; none of the other 10 AOKs charges more. For a member on €3,800 gross with one child that means €412 a month for health and care insurance, €137 a year more than at the official average rate of 2.9 %. In the rankings of funds open to the public it stands as follows: Brandenburg rank 18 of 41, Berlin rank 22 of 45, Mecklenburg-Western Pomerania rank 19 of 41. The possible gain from switching differs by state, because not every cheap company fund is open in all three; Berlin has the widest choice. The AOK with the lowest rate, AOK Rheinland-Pfalz/Saarland, would be €235 a year cheaper at that pay, but Berliners cannot join it.
Three states, three different rankings
AOK Nordost charges the same rate in Berlin, Brandenburg and Mecklenburg-Western Pomerania, but the competition is not the same everywhere. Regional company funds often open to individual states only; Berlin benefits from this more than the rural north-east. The table shows, for each of the three states, the AOK’s position, the cheapest fund open there and the difference on €3,800 gross with one child.
| State | AOK Nordost rank | cheapest open fund | Rate | less a year |
|---|---|---|---|---|
| Brandenburg | 18 of 41 | TUI BKK | 2.50 % | €228 |
| Berlin | 22 of 45 | BKK firmus | 2.18 % | €301 |
| Mecklenburg-Western Pomerania | 19 of 41 | TUI BKK | 2.50 % | €228 |
What AOK Nordost costs
| Situation | Base | Your share a month |
|---|---|---|
| Employed | €2,500 | €271 |
| Employed | €3,800 | €412 |
| Employed, from the ceiling | €5,812.50 | €631 |
| Retired | €1,600 | €202 |
| Self-employed | €3,000 | €633 |
| Student | €855 | €148 |
The rate hits the self-employed and high earners hardest: anyone at the contribution ceiling pays €460 a year less at the cheapest nationwide fund. Students pay on the fixed BAföG need rate and barely notice the difference.
What 2027 brings for higher earners
Whether or not AOK Nordost changes its rate, the health insurance contribution ceiling rises to €6,375 a month in 2027 (cabinet decision, Bundesrat pending). Anyone earning that much or more will then pay €686 instead of €631 a month at an unchanged rate, €668 more a year. For care insurance the ceiling stays lower under current law. The fund’s new 2027 rate appears in the official list only on the day it applies; until then the calculator uses today’s.
Switching in the north-east
The ranking for Berlin, Brandenburg and Mecklenburg-Western Pomerania is in the fund list by state. The deadline calculator gives the switch date; if AOK Nordost raises its rate at the turn of the year, the special termination right applies however long you have been a member.