Public vs. private health insurance – which one should I choose?

Short answer: Choosing between public and private health insurance in Germany depends on your salary, family status, and how much flexibility you want in benefits and future premiums.

Public vs. private health insurance in Germany can feel like a maze, but we break it down in plain English. Public, or statutory health insurance (Gesetzliche Krankenversicherung), covers roughly 90 % of residents. Contributions are income-based (about 14.6 % plus a small surcharge), split 50/50 with your employer, and children or non-working spouses are co-insured at no extra cost. Coverage is comprehensive and accepted by every doctor, yet you may face longer waiting times for specialists.

Private health insurance (Private Krankenversicherung) is an option if your gross salary exceeds the annual threshold (€73,800 in 2025) or if you arrive as a freelancer. Premiums depend on age, health, and chosen benefits—not on income—so young professionals often pay less and enjoy perks such as private hospital rooms and faster appointments. The flip side: premiums rise as you age, family members need separate policies, and switching back to public later is difficult.

At Finance for Expats we start with a quick eligibility check, compare quotes from multiple insurers, and model lifetime costs so you can see the big picture before signing. If you choose public, we handle the German application; if private suits you better, we negotiate underwriting in English and secure documents immigration officials accept.

Key take-aways:

• Public = income-based contributions, free family cover, universal acceptance.
• Private = benefit flexibility and potential short-term savings, but higher long-term costs and individual policies for dependants.
• Finance for Expats provides side-by-side comparisons and submits the paperwork for both options.