Health Insurance for Self-Employed and Freelancers in Germany [2024 English Guide]

Key takeaways

• Self-employed and freelancers must get health insurance in Germany.
• You can choose between private and public health insurance.
• You can deduct up to 2,800 € of health insurance contributions from taxes. 
• Freelancers pursuing artistic or journalistic activity must get public health insurance via the Artist’s social insurance fund.

This is how you do it

• Understand the differences between public and private health insurance in Germany.
• Play with our “Health Insurance Finder” tool to learn which health insurance (Public or Private) makes sense and when.
• Consult a fee-based advisor or insurance broker to get personalized advice. You can contact one of the experts we recommend using this form for free.
• In our comparison and test, we found Haellesche and Signal Iduna’s private health insurance plans to be the best.
• If you want English customer support, you can get private health insurance from Feather*. They are an insurance agent and sell Haellesche’s private insurance plans.

Table of contents

Health insurance for self-employed and freelancers in Germany

Health insurance is mandatory in Germany. Self-employed and freelancers can choose between public and private health insurance in Germany.

Employees must earn more than 69,300 € (as of 2024) to be eligible to apply for private health insurance. However, there is no minimum income threshold for self-employed people.

However, freelancers pursuing artistic or journalistic activity cannot choose between private and public insurance. They are subject to artists’ social insurance (Künstlersozialversicherung in German).

Which insurance is best for you depends on your marital status, number of children, age, health, and income.

Is health insurance compulsory for self-employed or freelancers in Germany?

Yes, everyone living in Germany is legally obliged to get health insurance. If you don’t take health insurance in Germany, you’ll be liable to pay fines.

Employers ensure that their employees have valid health insurance in Germany. However, freelancers and self-employed people must take care of their health insurance themselves.

NOTE: Suppose you had compulsory public health insurance before becoming self-employed. Now you want to continue in the public healthcare system. Then, you must apply for the voluntary public health insurance within 3 months after the end of compulsory public insurance.

What health insurance is better for self-employed in Germany – public or private?

Let’s understand the differences between private and public health insurance to see which is right for self-employed in Germany.

Statutory health insurance for self-employed	Private health insurance for self-employed
Factors on which health insurance cost depends.
Public health insurance costs depend on your income, number of children, and whether you’ll opt for sick pay. Your insurance premium decreases and increases with the decrease and increase of your income.	Private health insurance costs depend on your age, health, occupation, and services you opt for. It doesn’t depend on your income. Thus, your insurance premium will remain the same even if your income decreases.
How much is the insurance premium?
Public health insurance costs comprise two things. – Basic amount: 14% of your gross monthly income (no sick pay). 14.6% of your gross monthly income (with sick pay) – Additional contribution (Zusatzbeitrag): 1.7% of your gross monthly income Public insurance providers decide the Zusatzbeitrag. Zusatzbeitrag of some insurers like TK* is 1.2% (lower than 1.7%). And some insurers’ Zusatzbeitrag is higher than 1.7%.	Based on our research, good private health insurance plans cost between – 466 € and 683 € per month to self-employed – 301 € and 355 € per month to employees (The cost is after deducting the employer’s contributions are already deducted) – 288 € and 400 € per month to civil servants
Nursing care insurance cost
3.05% for self-employed people with children and 3.4% with no children	Included in the above private insurance costs.
Minimum monthly premium
If you haven’t started earning from your business yet, you must still pay a minimum health insurance premium. As of 2024, the minimum monthly premium is between 215 € and 232 €. How is the minimum premium calculated? Public insurers consider the minimum income for calculating the insurance premium: 1,178.33 € [1] per month (as of 2024) Case 1 – Basic amount: 172 € (14.6% of 1178.33) – Additional contribution: 20 € (1.7% of 1178.33) – Nursing care: 40 € (3.4% of 1178.33) – Minimum monthly premium: 232 € (172 + 20 + 40) Case 2 – Basic amount: 165 € (14% of 1178.33) – Additional contribution: 14 € (1.2% of 1178.33) – Nursing care: 36 € (3.05% of 1178.33) – Minimum monthly premium: 215 € (165 + 14 + 36)	It depends on age, health, occupation, and the services you opt for.
Maximum monthly premium
There is a maximum limit on how much gross income public insurers can consider when calculating the premium. It is 5175 € as of 2024. Thus, the maximum monthly premium in public health insurance is between 944.5 € and 1019.5 €.	It depends on age, health, occupation, and the services you opt for.
Family health insurance
Your spouse (if they don’t have any income) and children are covered for free under your public health insurance.	You must take a separate health insurance policy for your spouse and each child.
What happens if I am unemployed or have no income?
If you receive “Unemployment Benefit I” from the job center, you remain insured with your public health insurance provider. Your insurer will get the monthly contribution directly from the job center. If you don’t get “Unemployment Benefit I,” you can voluntarily insure under statutory health insurance. In this case, you must pay the minimum insurance premium, which is 215 € and 232 € per month.	– If you receive “Unemployment Benefits I,” you’ll automatically be covered by statutory health insurance, even if you previously had private insurance. – You cannot switch to statutory health insurance if you are 55 and over. It doesn’t matter if you receive “Unemployment Benefit I.”  – You can stay with your private health insurer after being unemployed if you have private insurance for five years before becoming unemployed. The job center pays a subsidy for your health insurance contributions. – Privately insured people who receive “Unemployment benefit II” remain in private health insurance. You get a subsidy from the job center.
Sickness benefits
Your basic amount increases from 14% to 14.6% if you opt for sickness benefits. Sickness benefits are paid by the public health insurance company when you are sick for the long term.  You get sick pay from the 43rd day of your illness. You can take an optional tariff if you want to start getting paid earlier. You can compare different daily sickness benefits insurance on the comparison portal Check24*.	While choosing private health insurance, you can decide on the daily sickness allowance and when to start getting it.
Changing health insurance plan with the same provider
Statutory health insurance providers have standard coverage and don’t offer multiple plans.  Of course, you can take supplementary private health insurance on top.	You can switch to a new health insurance plan offered by your insurer. However, the insurer may demand a complete health check. Depending on the health check results and services in the new tariff, your health insurance premium might be higher than the older tariff.
Changing health insurance provider
You can change your public health insurance provider anytime. You can use our public health insurance cost calculator to check how much you save by switching the insurer.	Changing private health insurance providers in Germany is expensive.  – You lose a large part of your saved retirement provisions. – A new health insurer will demand a complete health check. Hence, it might lead to higher insurance costs. – You usually pay a higher premium to the new insurer as you age.
Switching between private and public health insurance in Germany
You can switch from public to private health insurance anytime.	Returning to the public health insurance system is tough. It’s almost impossible for people 55 and older to make the switch.

Conclusion: The right health insurance for self-employed in Germany

Private health insurance is popular among the self-employed because you can save between 200 € and 500 € per month. However, you should not base your decision solely on which health insurance is cheaper.

The purpose of getting health insurance is to have good coverage when you or your loved ones are sick. We created the “Health Insurance Finder” tool to help you choose between private and public insurance.

As private health insurance is a complicated product, we recommend consulting a fee-based advisor or an insurance broker for personalized advice. You can book a call with the insurance broker we recommend here.

Insurance brokers and advisors are liable for their advice. This means that if the insurance plan they recommended doesn’t fulfill your wishes, they are liable to pay the damages.

When does private health insurance make sense for the self-employed?

Private health insurance makes sense for high-earners because it offers better coverage and allows you to save up to 300 € per month.

However, getting private health insurance is a lifelong decision. So, you should take it only if you are sure you’ll continue to earn a high income.

If you earn more than the income threshold, you save between 290 € and 500 € per month with private health insurance. But it’s the gross savings. You must also deduct income tax on this amount.

Assuming you earn more than 62,000 €, your personal income tax rate will be 42%. Thus, your net savings will be between 168 € and 290 € per month.

We recommend consulting an insurance broker or a fee-based adviser for personalized advice before taking private health insurance in Germany.

When does private health insurance NOT make sense for the self-employed?

If you have a low income or fear that you may not have a high income in the future, you should stay in public health insurance.

The premium for public health insurance depends on your income. Thus, you pay less premium if you earn less.

Moreover, you can insure your spouse (no income) and children for free in public health insurance.

We find TK the best public health insurance provider for expats. It offers its website, mobile app, and customer support in English.

You can register with TK online for free in 2 minutes using our “TK registration service.“

How do you get health insurance as a self-employed or freelancer in Germany?

Public health insurance for self-employed persons and freelancers in Germany

You have two ways to get a statutory health insurance policy in Germany:

• Via insurance broker or agent
• Directly from the public health insurance company.

If you don’t speak German, you can use our service to register with TK online in English.

You can also apply directly on the public insurer’s website. Many health insurance providers in Germany have websites in German and English.

Private health insurance for freelancers in Germany

Like public health insurance, you can get a private insurance policy via an insurance broker, comparison portals (Tarifcheck*), and directly from the insurance company.

However, we recommend consulting an insurance broker or a fee-based adviser for personalized advice before taking private health insurance in Germany.

Insurance brokers and advisors are liable for their advice. This means that if the insurance plan they recommended doesn’t fulfill your wishes, they are liable to pay the damages.

Many insurance brokers offer free advice to expats. They are paid by the insurance company upon the successful conclusion of the contract.

You can contact the insurance brokers we recommend using this form.

NOTE: In our comparison and test, we found Haellesche and Signal Iduna’s private health insurance plans to be the best.

Statutory health insurance coverage in Germany

The German government regulates public health insurance coverage per the Fifth Social Law. 

The law states that the publicly insured person is entitled to adequate, needs-based medical treatment corresponding to the generally recognized state of medical science. This includes

• medical treatment,
• dental treatment,
• psychotherapeutic treatment,
• the supply of medicines, bandages, remedies, aids,
• home nursing care,
• hospital treatment,
• medical rehabilitation services, and other services.

The law specifies that medical services must be sufficient, appropriate, and economical. Services must not exceed what is necessary. 

Every public health insurance provider must offer services regulated by law. Thus, there is little difference in the services different public health insurance providers offer. 

Private health insurance coverage in Germany

Private health insurance companies offer many plans, from basic to comprehensive coverage. Thus, it is critical to check and compare the services before signing the health insurance contract.

Here are some essential services a good private health insurance should cover.

• Doctors’ fees
• Freedom to select the doctor
• Low deductible
• Check if there are any reimbursement limits.
• Your private health insurance provider should cover the cost of both generic and non-generic medicines.
• What life support and physical aids do your private insurance cover?
• Dental benefits
• Ensure that the psychotherapy coverage in your private health insurance matches that of your public insurance.
• What type of therapies does your health insurance plan cover?

You can download our checklist to ensure your policy covers the minimum recommended services.

FAQs

Can you switch from Private to Public Health Insurance in Germany?

Switching from private to public health insurance is difficult. And it gets tougher as you grow old.

There are a few ways to return to the public healthcare system. For example,

• Your salary goes below the amount required for private health insurance. It’s 69,300 € (as of 2024).
• You get unemployed and receive “unemployment benefit I.”
• You are unemployed and want to be insured under your spouse’s public health insurance.

In our guide, you can learn more tips on returning to statutory health insurance.

Can freelancers and self-employed deduct health insurance premiums from taxes?

Yes, the contributions to the health insurance are tax deductible. You can deduct up to 2,800 € of health insurance contributions from taxes. 

Self-employed Part-time Regulations

If you are employed full-time and self-employed part-time, your health insurance via employment will continue. However, you must inform the health insurance company about your part-time self-employment.

The health insurer will determine whether your self-employed work is part-time. If the health insurer determines it’s not part-time, your compulsory public health insurance via employment will end.

You must take out voluntary public health insurance or private insurance. Your employer will stop contributing to your health insurance premiums in this case. 

Similarly, if you are unemployed and self-employed part-time, you can continue to be covered under your spouse’s public health insurance. But as soon as you earn above the minimum amount, you must voluntarily insure under statutory health insurance or get a private insurance policy.

Emergency health insurance tariff for self-employed and freelancers

Privately insured self-employed and freelancers who cannot pay insurance premiums anymore fall into the emergency tariff. In emergency tariff, you get the minimum health services.

But as soon as you can afford the health insurance premiums, you must return to your original tariff. 

You should consider reducing your private health insurance premium if you cannot afford it. The easiest way to do so is by switching to a cheaper tariff offered by your insurance provider.

What is the Künstlersozialkasse?

The Artists’ Social Fund (Künstlersozialkasse (KSK)) is an organization that checks your eligibility to join the fund. It also collects health insurance premiums and forwards them to the relevant public health insurance providers.

You can get health insurance via the artists’ social insurance fund if you

• do artistic or journalistic activity commercially,
• you do not employ more than one employee (except for trainees and mini-jobbers),
• you earn at least 3,901 € per annum (more than 325 € per month) from your artistic work.

The benefit of getting health insurance via the artist’s fund is you only pay half of the health insurance premiums. Besides, you are legally obliged to insure via the KSK if you are self-employed and doing artistic or journalistic activity.

Read our guide on artists’ social insurance fund to learn more.

References

• https://www.bundesgesundheitsministerium.de/service/begriffe-von-a-z/l/leistungskatalog
• https://selbststaendigkeit.de/versicherungen-selbststaendige/nebenberuflich-selbststaendig-krankenversicherung/
• https://blog.orgamax.de/unternehmer-news/selbstst%C3%A4ndig-und-gleichzeitig-angestellt-welche-krankenversicherung
• https://www.finanztip.de/krankenversicherung/fuer-selbststaendige/
• https://www.lexware.de/wissen/buchhaltung-finanzen/krankenversicherung-fuer-selbststaendige/
• https://www.knappschaft.de/DE/VersicherungBeitraege/MeineKVPV/Selbststaendige/Selbststaendige.html