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Is your income above the Versicherungspflichtgrenze Versicherungspflichtgrenze · JahresarbeitsentgeltgrenzeThe annual income threshold in Germany. Employees who earn more than this per year may leave statutory health insurance and switch to private health insurance.More about JAEG →? Check whether you can switch to private health insurance. Anonymous and instant.
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Applicable JAEG ·
Distance to the threshold·
Per month·
Special JAEG ·
Calculated under § 6 Abs. 1 Nr. 1 SGB V (Versicherungspflichtgrenze / JAEG 2026). General JAEG: €77,400 per year. Special JAEG (privately insured before 2003): €69,750 per year. A guide value, not legal advice.
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Frequently asked questions about the Versicherungspflichtgrenze
Does the Versicherungspflichtgrenze apply to this year's income or last year's?
What counts is the regular annual pay you expect to earn in the current calendar year. This means gross pay without one-off payments such as vacation pay or a Christmas bonus. Your employer checks this at the start of the year and again with every lasting change in salary.
What happens if my salary is only just above the threshold?
The Versicherungspflichtgrenze works as a hard threshold. Anyone above it is no longer subject to compulsory insurance. However, the exemption only applies if your pay exceeds the threshold again in the following year. If your salary drops below it for good, compulsory statutory insurance returns. With variable pay components in particular, a careful check is worth it.
Is there a second, lower threshold for people with private cover for many years?
Yes. If you already had private health insurance before December 31, 2002, you only need to exceed the special Jahresarbeitsentgeltgrenze (JAEG). In 2026 it is €69,750 per year, the same as the Beitragsbemessungsgrenze of statutory health insurance. For everyone else, the general JAEG of €77,400 applies.