That totals roughly €141/month under 23, or €146/month from 23 to 30. The base health insurance rate is set nationally and does not change between funds, but the Zusatzbeitrag portion is fund-specific — a different statutory insurer (AOK, Barmer, DAK) may land a few euros higher or lower than the TK figure above. Get a quote directly from the fund you plan to join before you finalise your budget.

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