How to Switch from Public to Private Health Insurance in Germany – 2025 Guide

For many high-earning expats in Germany, public health insurance (GKV) feels like a costly system with long wait times and limited service in English. If you’re earning more than €73,800 per year, you have the option to switch to private health insurance (PKV).

But how exactly does that work? Can you go back if you change your mind? Is it really worth it?

This guide walks you through everything you need to know about switching from public to private insurance in Germany in 2025.

Who Can Switch to Private Health Insurance in Germany?

To switch to private insurance, you must meet one of the following conditions:

• Be an employee earning above €73,800/year (the 2025 threshold)

• Be self-employed or a freelancer

• Be a civil servant (Beamter)

If you're employed, your eligibility is reviewed annually based on your gross salary. As soon as you reach the threshold of €73,800/year you have the option to switch from statutory to private health insurance.

Why Expats Are Switching to Private Health Insurance

Here’s why many expats are making the switch:

• Lower premiums for high earners – You stop paying a percentage of your income. Public health insurance in 2025 charges 14.6% plus an average additional contribution of 2.5% – a total of 17.1% of your gross salary.

• Shorter wait times – See specialists faster, get appointments sooner

• English-speaking service – Myhealthcarebroker offers a dedicated English-speaking concierge service for clients

• Better benefits – Private rooms, chief physician treatment, top-tier dental care, and international coverage