Find the Best statutory health insurance in Germany

On the one hand, there is the question of why one would want to return to compulsory health insurance since the price is much higher and coverage will be further limited. However, some possibilities exist to steer the income below the mandatory insurance limit and then be compulsorily insured again. This should always be done with an expert who will monitor all the essential points.

Private health insurance is often cheaper than statutory health insurance because the change also only makes sense for people with a very high income in the long term.

I recommend never switching to private health insurance to save money but always paying the highest possible contribution to the employer to finance future contributions. A favorable donation is usually only an advantage for the employer, not the employee.

If family planning leads to a financial bottleneck, then the fundamental question is whether to switch back to statutory health insurance by drawing parental allowance. Since pediatricians often only treat private patients in many large cities, it can make sense to remain in private health insurance. A contribution of 150-200€ per child per month is to be planned.

If you can theoretically switch to private health insurance, then the question of whether you should take out personal insurance does not usually arise. With an income of over 60,000 €, there are, in any case, gaps in the area of coverage in the event of incapacity for work (AU) and then in the area of occupational disability (BU). Therefore, I would never ask whether PKV or GKV, but always the question only private health insurance or statutory health insurance combined with private supplementary insurance.

In my 30 years as a consultant on private health insurance, it has very rarely come to this reality. However, from 2008 -2014, tariffs were often sold that needed to be calculated sustainably and were marketed to customers at dumping prices without being sustainable. Here my motto applies again, never change because of the cost of cheap tariffs to save money you do not have. PKV is reasonable and affordable for people with high incomes, but with money, the car is excellent and affordable at the beginning and even less so in old age.

I know these incidents and could only usually determine that it was often not because of the high contribution, but because of the non-existent retirement provision. Especially with self-employed people, there is often the problem that no provision is made for old age and then comes the rude awakening at retirement age. Here, it is rarely the private health insurance that is the problem, but the desolate old-age provision.