Since becoming self-employed, which was not so much of a choice for me, but more a forced path, I have had to become privately insured when it comes to health insurance. I had very much hoped to avoid doing so, but it turns out that public health insurance gets very expensive if you are no longer an employee, or Angestellte(r).
You are “allowed” to join the private system only if you are self-employed, are a civil servant, or if your income is above a threshhold, right now which is at about €52,000 per year. If you are an employee and decide to remain in the public system, you are considered freiwillig (voluntarily) insured. In the public system, if you are below the threshhold, you are pflichtversichert (mandatorily publicly insured). Ruth wrote about the benefits and detriments of the two systems. Continue reading