As of January 1st 2025, you must earn more than these thresholds to join private health insurance:
Employees: €73,800 per year
Freelancers under the age of 51: €36,000 per year
Freelancers over the age of 51: €51,000 per year
If you're employed outside of Germany, you're considered a freelancer.
You’ll need to provide documents to show your income when you apply.
Employer contribution
German employers pay up to 50% of your monthly health and nursing care insurance costs, including coverage for dependents.
The employer contribution is capped at €570 per month:
Private health insurance: up to €471 per month
Nursing care insurance: up to €99 per month