Back to the statutory health insurance

A return to the statutory health insurance (GKV) is only possible in a few cases than As an alternative, there is sometimes also a change to the basic rate of private health insurance in question.

Back to the solidarity system

• As an employee who is subject to compulsory social insurance, you can only leave the statutory health insurance if your annual wages are above the compulsory insurance limit. Then you have the right to choose whether to take out private or statutory insurance. If you insure yourself privately, you cannot simply return to the statutory health insurance fund.
• However, if your annual work income falls below the compulsory insurance limit, you will again compulsory insurance in the statutory health insurance and automatically return to the solidarity system return.
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• Even if you become unemployed and receive ALG I, you can return to statutory health insurance.
• The situation is different, however, if you have private health insurance as a self-employed person. If, for example, you can no longer pay the often very high insurance premiums for private health insurance because of a poor order situation and also If you cannot claim ALG I, you will not automatically be covered by statutory health insurance if you receive ALG II recorded.


Once privately insured, always privately insured?

In Germany there are two health insurance systems, the private and the ...

• However, if you give up your self-employment and take up employment that is subject to social security contributions, you will also be compulsorily insured in the statutory health insurance again. However, this usually only applies if you are not older than 55 years.

Other ways into statutory health insurance

• You cannot return to statutory health insurance even if you give up your self-employment Earn an income or an income less than 365 euros per month and your spouse is a member of a legal Health insurance is.
• If you have a mini job, your income must not exceed 400 euros per month.
• If you are active as an artist or journalist, you should have it checked whether you are subject to compulsory insurance in the artists' social insurance fund. This can also be the case if, in addition to your artistic or journalistic work, you still have perform another activity that does not exceed a certain income limit (2011: 4,800 euros per year) exceeds. With admission to the artists' social insurance scheme, you are again a member of a statutory health insurance scheme.

If you have the choice, you are spoiled for choice: You should also opt out of the statutory health insurance as a If you are self-employed, think carefully and first check whether you can still pay the private health insurance contributions in old age can pay.