Public or private health insurance in Germany: take the quiz
Answer 5 quick questions to see whether public or private health insurance in Germany could fit you better, then get our free PDF guide.
Whether you can choose private health insurance in Germany depends mainly on your work status and income. Whether you should depends on your age, health and family. This quiz gives you a first, honest pointer in about a minute.
Free tool
Public or private? Find out in 60 seconds
Five quick questions. No sign-up needed to see your result.
Question 1 of 5
How the quiz works
- It uses the 2027 threshold: employees earning under €84,150 a year from 1 January 2027 (€77,400 in 2026) must be in public health insurance. The 2027 figure was approved by the federal cabinet and still needs Bundesrat approval, expected in November 2026.
- Self-employed people, freelancers and civil servants can choose private health insurance at any income.
- The result is general guidance, not advice or a quote. Private premiums depend on your age, health and tariff.
Want the full picture first? Read the health insurance overview or check whether you are eligible for private insurance.
Still not sure which insurance fits you?
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