Health Insurance Calculator
Enter your monthly salary to calculate the 2026 employee health and long-term care premiums.
2026 employee basis. Health rate 7.19% (your share 3.595%), long-term care 13.14%.
How the 2026 premium is calculated
For an employee, the health insurance premium is your monthly salary times the health rate, split evenly between you and your employer. The 2026 rate is 7.19%, so the employee share is 3.595%. A long-term care premium of 13.14% of the health premium is added.
Formula
- Health premium (you) = monthly salary × 7.19% × 50%
- Long-term care (you) = your health premium × 13.14%
- Monthly total = health premium + long-term care
Good to know
- This is for employees. Retirees on the regional plan are charged by an income/asset point system — a separate tool will cover that.
- Monthly salary has an upper and lower cap; very high salaries hit the cap.
- Rates change yearly, so check the base year (2026).
The salary you enter is calculated only in your browser and is never sent to or stored on a server.
Read the Privacy Policy →Frequently asked questions
What is the 2026 health insurance rate?
The 2026 employee health rate is 7.19%, split evenly, so your share is 3.595%. A long-term care premium (13.14% of the health premium) is added.
Why is long-term care charged separately?
Long-term care insurance covers future care needs and is collected as a percentage (13.14% in 2026) added to the health premium, so both appear on your payslip.
Does this cover the regional plan?
No, this is for employees. The regional plan charges by an income/asset point system and works entirely differently; a separate calculator is planned.
Is my salary stored?
No. Calculation happens only in your browser and is never sent to or stored on a server.