TL;DR – the short answer:
✅ A&Til is one of Denmark’s cheapest a-kasses (521 DKK/month) with the option to add income protection insurance
✅ DSA is the cheapest (513 DKK/month), but has no trade union or income protection
✅ You keep your seniority when you switch it is free and straightforward
✅ Switching takes 5 minutes online
Not sure which is cheapest for you? Find your cheapest a-kasse and trade union with our calculator in under 2 minutes.
👉 Join A&Til now – save up to 696 DKK/year »
What Makes an A-kasse the Best?
All Danish a-kasses pay the same unemployment benefits this is set by law. So what actually separates them?
Four criteria determine which a-kasse is best for you:
- Price: The monthly fee ranges from 513 to 579 DKK for full-time members in 2026. Over a year, that is a difference of up to 796 DKK.
- Income protection insurance: Some a-kasses include income protection in the price; others offer it as an add-on. Income protection can give you up to 90% of your salary, while unemployment benefits are capped at 22,041 DKK/month.
- Trade union offering: Some a-kasses are linked to a trade union (legal assistance, career advice, collective agreements). This is not the same as the a-kasse itself, but many people want both.
- Member satisfaction (Trustpilot): A good indicator of whether the a-kasse actually helps its members when it counts.
Compare a-kasse member benefits
The Best A-kasses in 2026: Comparison
Sorted by price, cheapest first. All prices are for full-time members in 2026.
| A-kasse | Price/month | Income protection | Trustpilot | Trade union | Join |
|---|---|---|---|---|---|
| DSA | 513 DKK | No | N/A | No | Join » |
| ⭐ A&Til | 521 DKK | Add-on | 4.2/5 | Yes (add-on) | Join » |
| Det Faglige Hus | 528 DKK | No | 4.1/5 | Yes (included) | Join » |
| Frie | 533 DKK | Yes (included) | 4.0/5 | Yes (add-on) | Join » |
| Min A-kasse | 542 DKK | Add-on | 4.3/5 | No | Join » |
| Krifa | 556 DKK | Add-on | 4.4/5 | Yes (included) | Join » |
| ASE | 560 DKK | Yes (included) | 4.1/5 | No | Join » |
| CA | 561 DKK | Add-on | 4.6/5 | Yes (add-on) | Join » |
| Din Faglige A-kasse | 579 DKK | No | N/A | Yes (included) | Join » |
⭐ = Our recommendation based on price + benefits. Prices are for full-time members 2026.
📊 Our Assessment: Is A&Til Really the Best A-kasse for You?
A&Til combines a very low monthly price (521 DKK) with the option to add income protection insurance and trade union benefits. For most employees who want flexibility and low fixed costs, it is the strongest combination. If you know from day one that you want income protection included, Frie or ASE are worth considering.
Prices range from 521 DKK/month to over 1,000 DKK/month, find your cheapest a-kasse and trade union with our calculator, tailored to your job and preferences.
Best A-kasse by Situation
Best A-kasse If You Want to Save Money
Looking for one of Denmark’s cheapest a-kasses, open to everyone regardless of profession? A&Til (formerly FTFA) costs 521 DKK/month and works with over 50 trade unions, a strong choice for cross-sector employees. Switch from Din Faglige A-kasse (579 DKK) to A&Til and you save 696 DKK a year without losing a single day of seniority.
Best A-kasse With Income Protection Included
Want income protection built into the price from day one? Frie (533 DKK/month) and ASE (560 DKK/month) are the only a-kasses in the table that include income protection as standard. Income protection means you can receive up to 90% of your salary, well above the unemployment benefit cap of 22,041 DKK/month.
Min A-kasse offers income protection from as little as 333 DKK/month via Alka.
Best A-kasse and Trade Union Combined
Are you a manager or senior employee? Lederne is the natural choice, they offer trade union (229 DKK/month) and a-kasse (542 DKK/month) combined at 643 DKK/month with a bundle discount.
Want the best trade union and a-kasse in one package at the lowest price? Det Faglige Hus (528 DKK/month) includes the trade union in the price, making it the cheapest combined solution on the market. Krifa (556 DKK/month) is a strong alternative with a high Trustpilot score.
What is the difference between the best trade union and a-kasse? The a-kasse gives you unemployment benefits when you are out of work. The trade union gives you legal assistance, income protection, and career support while you are employed. The two complement each other.
👉 See Det Faglige Hus bundle offer »
Best A-kasse for Graduates and Academics
Working with a long higher education degree? CA (561 DKK/month) specialises in white-collar workers and academics and has the highest Trustpilot score in the table (4.6/5). Akademikernes A-kasse is another obvious choice for master’s graduates and PhDs.
CA also offers income protection as an add-on – particularly relevant if your salary exceeds the unemployment benefit cap of 22,041 DKK/month.
Best A-kasse for Self-Employed
As a self-employed person, you have specific needs including flexible entry and exit, and the ability to combine periods of employment and self-employment. ASE and A&Til are both strong choices, as they both accept self-employed members and offer income protection as an add-on.
Best A-kasse for Students
As a student, you can join Det Faglige Hus for free, you pay no membership fee while you study. It is the cheapest way to build up your seniority early.
👉 Join Det Faglige Hus for free as a student »
What Does the Best A-kasse Cost?
The price range for full-time members in 2026 is 513–579 DKK/month. That sounds close, but over a year it is a difference of up to 796 DKK.
Maximum unemployment benefit 2026 (the same for all a-kasses):
- Full-time insured: 22,041 DKK/month (source: Danish Ministry of Employment)
- With employment supplement (first 3 months): 26,198 DKK/month
- Part-time insured: 14,694 DKK/month
All a-kasses follow the same legislation on unemployment benefits. That means price is the most important difference, you receive exactly the same benefit amount regardless of which a-kasse you choose.
Savings example: Switch from Din Faglige A-kasse (579 DKK/month) to A&Til (521 DKK/month) and you save 696 DKK a year for exactly the same unemployment benefit entitlement.
👉 Join A&Til now – save up to 696 DKK/year »
What Unemployment Benefits Will You Receive?
All Danish a-kasses pay the same unemployment benefits, this is set by law. Your choice of a-kasse does not affect your benefit rate.
Unemployment benefit rates 2026:
| Situation | Monthly rate |
|---|---|
| Employee (maximum) | 22,041 DKK/month |
| Employee (90% of salary) | Up to 22,041 DKK/month |
| Graduate / newly qualified (full-time) | 15,982 DKK/month |
| Graduate / newly qualified (part-time) | 10,655 DKK/month |
Unemployment benefits equal 90% of your previous salary but never more than the maximum rate of 22,041 DKK/month.
Want more than unemployment benefits cover?
Consider income protection insurance as a supplement to your a-kasse. Income protection can give you up to 90% of your salary with no cap particularly relevant if you earn more than 22,041 DKK/month.
Best Trade Union and A-kasse – What Is the Difference?
Many people search for the best trade union and a-kasse as one combined solution. Here is the short explanation:
| A-kasse | Trade union | |
|---|---|---|
| Purpose | Unemployment benefits when out of work | Legal assistance, income protection, career support |
| Mandatory? | No, but recommended | No |
| Price | 513–579 DKK/month | 100–400 DKK/month extra |
Best combinations in 2026:
- Det Faglige Hus – cheapest combined (a-kasse + trade union included in one price)
- Krifa – trade union included, high Trustpilot score (4.4/5)
- A&Til – trade union as a flexible add-on, lowest base price
Krifa is one of the most popular choices for a bundled solution. Read our [full review of Krifa a-kasse and trade union [partner page link]] to see pricing, unemployment benefit rate, and income protection in one place.
👉 See the best trade union and a-kasse packages »
Trustpilot – Which A-kasse Is Rated Best?
Trustpilot scores give a good picture of the day-to-day experience as a member:
| A-kasse | Trustpilot score |
|---|---|
| CA | 4.6/5 ⭐ |
| Krifa | 4.4/5 |
| Min A-kasse | 4.3/5 |
| A&Til | 4.2/5 |
| Det Faglige Hus | 4.1/5 |
| ASE | 4.1/5 |
| Frie | 4.0/5 |
Important: A high Trustpilot score is a good sign, but price and benefits carry more weight in everyday terms. CA scores highest, but costs 40 DKK/month more than A&Til. Over a year, that is 480 DKK extra for a marginally higher score.
How to Choose the Best A-kasse for You
It does not need to take long. Three steps are enough:
Step 1: Check whether your trade union has an affiliated a-kasse Many trade unions work with specific a-kasses. Ask your union, or use the table above.
Step 2: Compare price + income protection based on your situation Want to save the most? Choose A&Til. Want income protection included? Choose Frie or ASE. Want everything combined at the lowest price? Choose Det Faglige Hus.
Step 3: Sign up – it takes 5 minutes If you are switching from another a-kasse, the new one handles the transfer. You do not lose your seniority, and switching is free.
👉 Compare and join A&Til now »
Frequently Asked Questions About the Best A-kasse
Which a-kasse is best in 2026?
It depends on your situation. For most employees, A&Til (521 DKK/month) is the best combination of low price and flexible add-on options. If you want income protection included from the start, Frie or ASE are strong alternatives.
What is the cheapest a-kasse?
DSA is the cheapest at 513 DKK/month, but offers neither a trade union nor income protection. A&Til at 521 DKK/month is the cheapest with both options available as add-ons.
Can I switch a-kasse without losing my seniority?
Yes. When you join a new a-kasse, your seniority is transferred automatically. You do not need to cancel your old membership yourself, the new a-kasse handles it. A free switch typically takes 5 minutes online.
What is the difference between an a-kasse and a trade union?
An a-kasse gives you unemployment benefits if you become unemployed. A trade union gives you legal assistance, income protection, and career support while you are in work. The two are separate but many a-kasses offer both as a package.
Which a-kasse has the best income protection?
Frie and ASE include income protection in the standard price. A&Til and Krifa offer income protection as an add-on from approximately 89–150 DKK/month extra.
What is the best a-kasse for students?
Det Faglige Hus offers free membership to students, you pay no fee while you study. It is the cheapest way to build up your seniority early.
What is the best a-kasse for self-employed people?
ASE and A&Til are both well-suited to self-employed people, they accept combined periods of employment and self-employment, and offer income protection as an add-on.
What is the best combined a-kasse and trade union?
Det Faglige Hus (528 DKK/month) is the cheapest solution that includes both an a-kasse and a trade union in one price. Krifa (556 DKK/month) is a strong alternative with a high Trustpilot score.
What does the best a-kasse cost per month?
The price range for full-time members in 2026 is 513–579 DKK/month. A&Til costs 521 DKK/month and is one of Denmark’s cheapest with the option to add income protection.
Which a-kasse has the highest Trustpilot score?
CA tops the list with 4.6/5, followed by Krifa (4.4/5) and Min A-kasse (4.3/5). Keep in mind that price and benefits carry more weight than the Trustpilot score alone when choosing the best a-kasse for you.
Can I be in an a-kasse without a trade union?
Yes, absolutely. An a-kasse and a trade union are two separate things. You can be a member of A&Til or DSA, for example, without having a trade union.
When should I join an a-kasse?
As early as possible, ideally as a student or when starting your first job. The longer you wait, the longer it takes to build up your right to unemployment benefits (requires 12 months of membership and sufficient work). If you also want the right to early retirement (efterløn), you must join no later than the day you turn 30 and pay the efterløn contribution for at least 30 years.