Crypto gains and German health insurance: the limit rises to 590 euros in 2027

Whether a crypto gain triggers contributions to German statutory health insurance depends not on the size of the gain but on your insurance status. As a compulsorily insured employee you pay not a single cent to the fund on a gain from selling Bitcoin. As a voluntary member you do pay a contribution on it. And if you are covered by family insurance, a single sale can cost you free co-insurance for an entire year. These three routes sit in three different sections of the law, and reading the wrong one means calculating with the wrong number.