14.6% general rate + 2.79% supplementary rate · Employer and employee each pay half of the contribution.
BKK Schwarzwald-Baar-Heuberg is a Company fund (BKK) based in Trossingen. At 2.79%, its supplementary rate is 0.58 percentage points below the average of all statutory funds (3.37%). Since the beginning of 2022 the fund has adjusted its supplementary rate 3 times, most recently on 01/01/2026 by +0.35 percentage points to 2.79%.
| Valid from | Supplementary rate | Change |
|---|---|---|
| 01/01/2026 | 2.79 % | ▲ +0.35 % |
| 01/01/2025 | 2.44 % | ▲ +1.15 % |
| 01/01/2024 | 1.29 % | ▲ +0.31 % |
| 01/01/2021 | 0.98 % | – |
Data starts in January 2022 – the oldest rate may have applied earlier.
The cheapest statutory health insurance fund is currently BKK BPW Wiehl with a supplementary rate of 1.8% – 0.99 percentage points less than BKK Schwarzwald-Baar-Heuberg. The examples show the savings when switching:
| Gross salary / month | Savings / month | Savings / year |
|---|---|---|
| €2,500.00 | €12.38 | €148.56 |
| €3,500.00 | €17.33 | €207.96 |
| €4,500.00 | €22.28 | €267.36 |
| €6,000.00 | €28.77 | €345.24 |
Employee share – the employer saves the same amount on top. Above the contribution assessment ceiling (5,812.5 € gross/month) the savings do not grow any further; tax effects are not taken into account. Not every fund is open to every employee or in every federal state.
Relevant for employers: the levies for continued pay during sickness (U1, selectable reimbursement rates) and maternity (U2).
| Levy rate | Reimbursement | |
|---|---|---|
| U1 (sick pay) | 2.1 % | 70 % |
| U2 (maternity) | 0.36 % | 100 % |
| Valid from | U1 rates | U2 |
|---|---|---|
| 01/01/2026 | 2.1 % | 0.36 % |
| 01/01/2025 | 2.6 % | 0.4 % |
| 01/01/2024 | 2.8 % | 0.5 % |
| 06/01/2023 | 3 % | 0.55 % |
| 01/01/2023 | 2.7 % | 0.55 % |
| 07/01/2022 | 2.5 % | 0.59 % |
| 01/01/2022 | 1.95 % | 0.59 % |
Data starts in January 2022 – the oldest rate may have applied earlier.
Supplementary rates of all funds, updated daily and with history – as a REST API for your application.
The calculator runs on the real Lohnica API – with the daily-updated supplementary rate of BKK Schwarzwald-Baar-Heuberg.
The supplementary rate of BKK Schwarzwald-Baar-Heuberg is currently 2.79% (valid since 01/01/2026). Together with the general contribution rate of 14.6%, the total contribution is 17.39%.