The short answer on the additional contribution rate
The average additional contribution rate of statutory health insurers rose from 1.1% for 2020 to 2.9% for 2026. For 2024, the official announcement is 1.7%, for 2023 it is 1.6%, and for 2022 it is 1.3%. No value is documented for 2019 or 2021. For 2027, the estimate is 2.9%, while the official determination is still pending.
The most important facts at a glance
| Point | Value | Status | Source |
|---|---|---|---|
| Average 2026 | 2.9% according to the announcement | 20 October 2026 | GKV-Spitzenverband, BMG |
| Average 2025, announcement | 2.5%, actually levied on average 2.9% | 20 October 2026 | Ärzteblatt, GKV-Spitzenverband |
| Estimate 2027 | 2.9% (estimation panel, 13 and 14 October 2026) | 20 October 2026 | BAS notice |
| Special termination in case of an increase | Termination effective at the end of the month in which the contribution rises | 20 October 2026 | § 175 para. 4 sentence 6 SGB V |
The trend year by year
| Year | Average additional contribution rate according to the announcement | Source |
|---|---|---|
| 2020 | 1.1% | Federal Gazette (BAnz) 28 October 2019, published 22 October 2019 |
| 2022 | 1.3% | BAnz 19 November 2021, published 18 November 2021 |
| 2023 | 1.6% | BAnz 31 October 2022, published 28 October 2022 |
| 2024 | 1.7% | BAnz 31 October 2023, published 16 October 2023 |
| 2025 | 2.5% | Ärzteblatt (estimation panel), GKV-Spitzenverband |
| 2026 | 2.9% | GKV-Spitzenverband, status 18 November 2025 |
| 2027 | 2.9% (estimate) | Estimation panel 13 and 14 October 2026, announcement expected by 1 November 2026 |
The average rate actually levied was 1.7% in 2024, 2.9% in 2025 and 2.9% in 2026. No announcement is available to us for 2019 and 2021, so the table does not show those years.
What the difference means in euros
The figures refer to a contribution base of €855 per month, which applies to students from October 2024.
- Announcement 2025 at 2.5%: €855 × 2.5% = €21.38 per month.
- Actual average in 2025 at 2.9%: €855 × 2.9% = €24.80 per month.
- Difference: €24.80 minus €21.38 = €3.42 per month.
The announced rate is a forecast. Health insurers set their additional contribution according to their own needs, so the actual value is above the announcement in some years.
Methodology
- Announcements under § 242a para. 2 SGB V from the Federal Gazette (2020: BAnz 28 October 2019, 2022: BAnz 19 November 2021, 2023: BAnz 31 October 2022, 2024: BAnz 31 October 2023). Accessed 20 October 2026.
- For 2025, the estimation panel figure according to Ärzteblatt applies.
- For 2026, the value from the GKV-Spitzenverband website applies, status 18 November 2025.
- The actually levied average comes from the GKV-Spitzenverband website and is shown for 2024 to 2026.
- The rate of your own health insurer may differ. You will find it in the list of health insurers.
How to cite this page
Academycon GmbH (2026): Additional contribution rate 2019 to 2027, data page, status 20 October 2026. Sources: Federal Gazette, GKV-Spitzenverband, Federal Ministry of Health.
Frequently asked questions
What is the difference between the announcement and the actual average?
The Federal Ministry of Health sets the announcement on the basis of the estimation panel. The actual average shows what the insurers levy on average. Both values can differ, as 2025 shows with 2.5% and 2.9%.
Do I have to pay the average rate?
No. Each health insurer sets its own additional contribution. The average serves as a guide and for the federal calculation.
Does the rate also apply to my health insurer?
Not necessarily. You will find the rate of your insurer in the list of health insurers published by the GKV-Spitzenverband and in our article Additional contributions 2026 for students (in German).
What is the additional contribution rate for 2027?
The estimation panel expects 2.9%. The official determination by the Federal Ministry of Health in the Federal Gazette is still pending and was announced for 1 November 2026.
Sources and review
- Federal Gazette, announcements of the average additional contribution rate for 2020, 2022, 2023 and 2024.
- GKV-Spitzenverband, page on the additional contribution rate, last updated 18 November 2025.
- Ärzteblatt, report on the announcement of the additional contribution rate 2025.
- Federal Office for Social Security (BAS), notice on the estimation panel of 13 and 14 October 2026.
- § 175 SGB V, gesetze-im-internet.de, accessed 20 October 2026.
Information, not individual advice.
Editorial team: Academycon · Last updated: October 2026
Information, not individual advice. You can use the Academycon online check for a first classification.
Related reading
- Student health insurance 2026 in figures (in German)
- Additional contributions 2026 for students (in German)
- Switching health insurer as a student (in German)
- Glossary of health insurance for students (in German)
Last updated: October 2026. This guide is general information, not individual advice. The German version is authoritative.
