Private health insurance in Germany: Is it right for you?

Most expats in Germany initially opt for public health insurance when they begin their first job. Generally, they do not consider it further. Nonetheless, if an individual earns more than 77,400 euros a year (the 2026 limit), they have the choice to select private insurance instead. Myhealthcarebroker explains the potential benefits of this alternative.

For those earning above the 2026 threshold or operating as self-employed individuals, private health insurance becomes an option. This type of insurance offers four significant advantages.

One case Myhealthcarebroker often encounters involves expats earning 85,000 euros annually and paying the maximum for public insurance yet only visiting a doctor twice a year. Under a private plan, they would pay less than 300 euros monthly, which includes dental care, glasses, and a single room. Self-employed individuals can opt for private insurance regardless of their earnings. In the public system, they bear the full cost alone.

Another scenario is that each partner can have their private plan. If both partners earn above the limit, two private plans would typically cost less than two public ones, and both would have better coverage. Every situation is unique, so consulting an independent advisor is advisable. Myhealthcarebroker provides free English consultations for anyone considering private insurance.

To get an initial estimate of the cost, individuals can use the free private health insurance calculator. Myhealthcarebroker operates independently, with consultants not affiliated with any insurer, ensuring impartial advice. The team has been assisting expats in English for over two decades, offering free advice and service. They compare all private insurers, not only looking at the current price but also evaluating how much each insurer has increased its rates over time. The cheapest plan today may not be the most economical when considering the long-term.

The team handles the entire process, from the health questionnaire to the application, the switch from public insurance, and providing letters from the insurer. They have one dedicated contact person for each individual, ensuring continuous support throughout the insured period. Moreover, this service is entirely free. If private insurance remains unclear, individuals are encouraged to book a free consultation in English to determine if private insurance is a viable option for them.