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Social security and levies

Germany employer subsidy for private health insurance 2026

API The subsidy calculator runs through the REST API, with health and care insurance and Saxony in JSON.

Maximum monthly employer subsidy for private health and long-term care insurance since 2015, calculated from the contribution ceiling and rates.

For voluntary members of statutory health insurance, § 257 Abs. 1 SGB V applies with their own fund's additional contribution.

Last checked against the sources on September 26, 2026. Next expected change: follows the 2027 thresholds and average additional contribution (by November 1, 2026).

REST /v1/hr/beitragszuschuss-pkvMCP hr_beitragszuschuss_pkvCLI qk beitragszuschuss-pkv

The most an employer pays privately insured employees towards health and long-term care insurance (§ 257 SGB V, § 61 SGB XI). The amount follows from the contribution ceiling, half the general contribution rate, since 2019 half the average additional contribution, and the employer share of long-term care insurance, which is lower in Saxony. At most half of the actual premium.

Source
§ 257 SGB V, § 61 SGB XI, social security thresholds and contribution rates
License
Calculation under the cited provisions. Use under the Quellenkontor terms of use.
Updates
yearly on January 1, and during the year if the care insurance rate changes
Coverage
Germany, from 2015

A value doesn't match the official source? Report an error. We check against the primary source and document every correction in the changelog.

Related solutions: For payroll software and payroll providers

api.quellenkontor.dev/v1/hr/beitragszuschuss-pkv?datum=2026-10-01
Zur API-Doku →
curl "https://api.quellenkontor.dev/v1/hr/beitragszuschuss-pkv?datum=2026-10-01" \
  -H "Authorization: Bearer $QK_KEY"
Antwort200 OK · JSON
{
  "datensatz": "beitragszuschuss-pkv",
  "datum": "2026-10-01",
  "vorlaeufig": false,
  "bbg_kv_monat": 5812.5,
  "arbeitgeber_prozent": {
    "kv_allgemein": 7.3,
    "kv_ermaessigt": 7,
    "kv_zusatzbeitrag_durchschnitt": 1.45,
    "pv": 1.8,
    "pv_sachsen": 1.3
  },
  "hoechstzuschuss_monat": {
    "kv": 508.59,
    "kv_ohne_krankengeld": 491.16,
    "pv": 104.63,
    "pv_sachsen": 75.56
  },
  "zuschuss_kv_monat": null,
  "zuschuss_pv_monat": null,
  "rechtsgrundlage": "§ 257 Abs. 2 SGB V, § 61 Abs. 2 SGB XI, § 58 Abs. 3 SGB XI (Sachsen)",
  "quelle": {
    "titel": "§ 257 SGB V (Beitragszuschüsse für Beschäftigte)",
    "url": "https://www.gesetze-im-internet.de/sgb_5/__257.html"
  },
  "hinweise": [
    "Höchstzuschuss = Beitragsbemessungsgrenze der Krankenversicherung × Arbeitgeberanteil. Krankenversicherung seit 2019 mit der Hälfte des durchschnittlichen Zusatzbeitrags, 2015 bis 2018 ohne."
  ],
  "stand": "2026-09-26",
  "lizenz": "Berechnung nach den genannten Normen. Nutzung nach den Nutzungsbedingungen von Quellenkontor.",
  "zitat": "Arbeitgeberzuschuss zur privaten Versicherung am 01.10.2026: höchstens 508,59 Euro im Monat für die Krankenversicherung (491,16 Euro ohne Krankengeld) und 104,63 Euro für die Pflegeversicherung, in Sachsen 75,56 Euro, jeweils höchstens die Hälfte des tatsächlichen Beitrags. Rechtsgrundlage: § 257 Abs. 2 SGB V, § 61 Abs. 2 SGB XI, § 58 Abs. 3 SGB XI (Sachsen). Quelle: § 257 SGB V (Beitragszuschüsse für Beschäftigte), https://www.gesetze-im-internet.de/sgb_5/__257.html. Daten: Quellenkontor (quellenkontor.dev).",
  "datenstand": "2026-09-26.31"
}

Response shortened. All parameters and response fields are in the PKV employer subsidy reference.

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Parameters

ParametersTypeMeaning
datumdatedateEffective date in the format YYYY-MM-DD. Defaults to today.
beitrag_kvnumbernumberMonthly private health insurance premium in euros (optional). The subsidy, at most half of it, is then in zuschuss_kv_monat
beitrag_pvnumbernumberMonthly private long-term care premium in euros (optional). The subsidy is then in zuschuss_pv_monat

All response fields with types, allowed values, defaults and error cases are in the PKV employer subsidy reference.

Questions about this dataset

How is the employer subsidy for private health insurance calculated?

Health insurance contribution ceiling times the employer share: half the general rate and, since 2019, half the average additional contribution rate (§ 257 Abs. 2 SGB V). For long-term care, the employer share of statutory care insurance (§ 61 Abs. 2 SGB XI).

Do I always get the maximum?

No. The subsidy is limited to half of your actual premium (§ 257 Abs. 2 Satz 2 SGB V, § 61 Abs. 2 Satz 2 SGB XI).

How often is the dataset updated?

Yearly on January 1, and during the year if the care insurance rate changes. We check the data against the official sources every week, and every change is logged in the changelog. On the Pro plan, a webhook notifies your server.

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