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What happens when the income threshold increases and my income falls below?
What happens when the income threshold increases and my income falls below?

Understanding your health insurance choices after the private insurance threshold for employees increases in Germany

Justina avatar
Written by Justina
Updated over 2 weeks ago

If changes in Germany's private insurance threshold for employees place you below the new limit, here are your options.

1. Stay on private health insurance

Understanding the exemption form

While we believe retaining private health insurance is a secure choice, we aim for transparency regarding the effects of the exemption from public insurance.

If you choose the exemption, switching back to public insurance later may be challenging. The exemption is irrevocable and valid for your entire employment relationship, including new employment taken up immediately or with a short break in between. These short-term breaks are defined as periods of up to one month during which no other compulsory insurance coverage is in effect.

2. Switch to public health insurance

  • Your employer or new public health provider will contact you about the enrolment. You'll need to complete a form.

  • Once you're covered, ask your public health provider for an official confirmation of coverage that shows the start date.

  • Submit that letter when you cancel your private health insurance through your Feather account. You can do it until the end of March. Your private health insurance is not canceled automatically!

Do you have more questions or need personalized advice? Don't hesitate to

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