Self-employed

Self-employed persons who are not entitled to sickness benefit pay their contributions to health insurance for the self-employed on the basis of the reduced standard contribution rate of percent.

If you also want a statutory entitlement to sickness benefit from the 7th week of incapacity for work, the standard general contribution rate of 14,6 percent will be applied. In both cases, there is also the additional BKK W&F contribution (since 2025: 3,99 percent).

Example 2025:

Maximum health insurance contribution without sickness benefit entitlement: 5.512,50 euros x total contribution rate of percent = euros

The contribution to long-term care insurance is percent.

If you are 23 years or older and have no children, a contribution surcharge of percent is added, making a total of 4.2 percent. Those born before January 1, 1940 are exempt from the surcharge, as are adoptive, step and foster parents and orphaned parents.

If you have more than 1 child under 25, the contribution is reduced by 0.25 percent per child (maximum 5).

The contribution assessment ceiling for health insurance for the self-employed in 2025 is a maximum amount of EUR 5.512,50.

The minimum basis for calculating contributions for self-employed persons is 2025 an amount of EUR , even if less income is generated or expected.

Voluntarily insured individuals without an employer are responsible for paying their contributions to the health insurance fund themselves. Contributions to our BKK are due on the 15th of the following month, e.g. for the month of January 2026, the due date is February 15, 2026. If you grant us a direct debit mandate, we will debit the contributions due monthly from your account on the due date. Please note that due to bank processing times, the debit will be made by us approximately 1 working day before the 15th. If you would like to transfer your contributions yourself, you should also ensure that you make the transfer in good time so that the contributions are credited to our account on the 15th. You can find our bank details in the employer section.

If you are a start-up entrepreneur and receive a start-up subsidy from the employment agency, this will also count towards your income for living expenses (minus the lump sum for social security) and will be taken into account when calculating your contributions. Please send us the relevant proof of income with your application, in particular your most recent income tax assessment notice.

Self-employed persons with voluntary statutory insurance pay their contributions for health insurance for self-employed persons from the income available to them, such as income from self-employment, wages, rental, leasing and interest income. Contributions to health and long-term care insurance are provisionally determined for income from self-employment and/or income from renting and leasing.