What is cheaper? Private or Statutory Health Insurance

Switching to private health insurance is usually a long-term decision. A later return to statutory health insurance becomes increasingly difficult with age.

• Under the age of 55, a return is generally possible if compulsory insurance applies again — for example, through employment with income below the annual earnings threshold.
• From the age of 55, it is legally severely restricted (§ 6 para. 3a SGB V) and depends on the previous insurance periods in the last years. Exceptions exist, for example, via non-contributory family insurance through a spouse or civil partner who is legally insured.
• Whether a return is possible must be assessed on an individual basis.