Healthcare allowance calculator 2026

Do you have an allowance partner (toeslagpartner)?

Usually your spouse, registered partner, or someone you live with and are registered with at the same address. What is an allowance partner?

Yes No

Assessment income per year

Your assessment income (toetsingsinkomen) is usually your gross annual income, including holiday pay. Do you have an allowance partner? Add up both incomes. Need help?

€

Assets (optional)

Savings and investments on 1 January, minus debts. Not sure? Leave it empty if it is small.

€

Calculate healthcare allowance

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Healthcare allowance 2026 in short

Who can get healthcare allowance?

• You are 18 or older.
• You have Dutch basic health insurance (basisverzekering), or insurance under a treaty (verdragsverzekering).
• You are Dutch, an EU, EEA or Swiss citizen, or you have a valid residence permit.
• Your income and assets are below the limits in the table above.

International students: only if you work (or have a paid internship)

This is the rule that confuses most international students:

• Only studying? Then you usually stay insured in your own country (for example with an EHIC card or a private student insurance). You do not need Dutch health insurance, and you cannot get healthcare allowance.
• A part-time job, even a small one? Then you must take out Dutch basic health insurance. With that insurance you can usually get healthcare allowance.
• An internship? If you are paid at least the Dutch minimum wage, you must take out Dutch health insurance and you can get healthcare allowance. With a lower internship allowance you stay insured in your own country.

Stopped working? Then you may no longer have to have Dutch health insurance. Report the change to your insurer and in Mijn toeslagen straight away. If you keep receiving healthcare allowance without the right to it, you will have to pay it all back. Official explanation: healthcare benefit if you come to study in the Netherlands (Dienst Toeslagen).

Dutch student finance (studiefinanciering) does not count as income. Your job does.

Healthcare allowance by income (2026)

This table shows the healthcare allowance per month for different incomes.

How healthcare allowance is calculated

The government assumes an average premium: the standard premium (standaardpremie). In 2026 it is €2,119 per person per year. You pay part of it yourself: the norm premium (normpremie). You receive the difference as healthcare allowance.

• Norm premium for a single person: 1.912% of the threshold income (€29,736), plus 13.73% of your income above it.
• Norm premium with an allowance partner: 4.289% of the threshold income, plus 13.73% of your joint income above it. The standard premium then counts twice.

Example: a single person with an income of €32,000 pays a norm premium of €879. The healthcare allowance is €2,119 − €879 = €1,240 per year, or €103 per month.

Save money: healthcare allowance only covers part of your premium. Between 12 November and 31 December you can switch to a cheaper health insurer (uitleg in het Nederlands).

Tip: the complete check calculates all allowances in one go, and also shows schemes from your municipality.

Frequently asked questions

How much healthcare allowance will I get in 2026?

Up to €129 per month as a single person and €246 with an allowance partner. The higher your income above €29,736, the less you get.

What is the income limit for healthcare allowance in 2026?

€40,857 per year for a single person and €51,142 for you and your allowance partner together.

I am an international student with a part-time job. Can I get it?

Usually yes: with a job you must take out Dutch basic health insurance, and then you can apply for healthcare allowance. Without a job (only studying) you cannot.

When is healthcare allowance paid?

Dienst Toeslagen pays an advance every month, usually around the 20th, for the following month.

Do I have to pay it back if my income rises?

Yes, if your income turns out higher than you reported. Report changes straight away in Mijn toeslagen.