In 2025, the TK contribution rate to health insurance is 17.05 per cent of gross income. It consists of the general contribution rate of 14.6 per cent and the health insurance fund’s individual supplementary contribution rate of 2.45 per cent. For employees, the employer pays half of the contribution rate. You can calculate your personal rate with our easy-to-use calculator:
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Contribution rates to social security
Health care is only one part of social security in Germany. There's a lot more insurances to cover all kinds of life aspects, e.g. pension, unemployment etc. Here you can find more details on specific social security rates:
Contribution rates to social security in 2025
Why has TK's supplementary contribution rate increased?
Expenditure across the entire statutory health insurance system has risen sharply, particularly in the hospital and pharmaceutical sectors. A number of laws have also led to increases in spending in recent years. This has had an impact on the supplementary contribution rates.
One thing is clear: the financial deficit in the statutory health insurance system has structural causes. Despite numerous demands, politicians have failed to take action. TK will continue to call on the new government to finally tackle these problems.
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