The cost of public health insurance in Germany is typically based on a percentage of an individual’s income and, as of 2023, is set at a rate between 14.6% to 15.6%— depending on your salary. This percentage is shared between you and your employer, but if you are self-employed, you cover the entire cost alone.
As a pensioner, you pay the same health insurance contribution rate of 16.1%, just like other insured parties. This contribution rate is a combination of the general contribution rate of 14.6% and the additional contribution of 1.5%. For nursing care insurance, as well, you pay the same contribution as any other insured party. In 2023, the contribution rate for nursing care is 3.4%.
The contributions for health and nursing care insurance are calculated on the basis of your individual income. The following sources of income are taken into account in this case:
Statutory pensions under the German pension insurance scheme and agricultural pensions
Foreign pensions
Benefit payments from your former employer
Earnings from lump-sum benefits and lump-sum settlements
Income from self-employed work (earned income)