Definition of the health insurance income limit
The health insurance income limit (Versicherungspflichtgrenze), also called the annual earnings threshold (Jahresarbeitsentgeltgrenze), is the income above which employees are no longer compulsorily insured in statutory health insurance (gesetzliche Krankenversicherung, GKV). It decides whether you stay in the GKV as an employee or can switch to private health insurance (PKV). For students, it matters mainly when questions of return or switching arise.
Value (as of 20 October 2026)
| Figure | Value | Status | Source |
|---|---|---|---|
| Health insurance income limit 2026 | 6,450 euros per month, 77,400 euros per year | official | GKV-SV fact sheet, Federal Government |
| Health insurance income limit 2027 | 7,012.50 euros per month, 84,150 euros per year | draft ordinance | BMAS, cabinet decision 7 October 2026 |
Example
After your studies, you work with a gross salary of 3,200 euros. That is well below the limit of 6,450 euros. You remain statutorily insured. An exemption or a switch to private health insurance is then not straightforward.
Related terms
Contribution assessment ceiling, return to statutory health insurance, compulsory insurance, annual earnings.
Further articles
- Health insurance income limit for students: what it means for you (in German)
- Returning to statutory health insurance: when a switch from private cover is possible (in German)
Sources
GKV-Spitzenverband, fact sheet on contribution calculation figures 2026, BMAS, Social Security Calculation Figures Ordinance 2027. As of 20 October 2026.
Last updated: October 2026. This guide is general information, not individual advice. The German version is authoritative.
Editorial team: Academycon
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