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Income threshold for private health insurance

Marius avatar
Written by Marius
Updated over 2 weeks ago

As of January 1st 2025, you must earn more than these thresholds to join private health insurance:

  • Employees: €73,800 per year

  • Freelancers under the age of 51: €36,000 per year

  • Freelancers over the age of 51: €51,000 per year

If you're employed outside of Germany, you're considered a freelancer.

You’ll need to provide documents to show your income when you apply.


Employer contribution

German employers pay up to 50% of your monthly health and nursing care insurance costs, including coverage for dependents.


The employer contribution is capped at €570 per month:

  • Private health insurance: up to €471 per month

  • Nursing care insurance: up to €99 per month

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