Скачать или смотреть What is Voluntary Health Insurance? How does it work?

In Germany, not everyone is automatically required to join public health insurance (GKV). Some people must join, while others can choose it through voluntary public health insurance (freiwillige gesetzliche Krankenversicherung).

In 105 seconds, you'll learn:
✅ Who is required to have public health insurance in Germany (2026 rules)
✅ Who can choose public health insurance voluntarily
✅ Which groups usually use voluntary GKV (freelancers, self-employed, mini-jobbers, students over 30, job seekers)
✅ How much it costs in 2025 (roughly 21% of income, with minimum and maximum contributions)
✅ The key eligibility criteria (previous public insurance in the EU/EEA + income requirements)

If you’re moving to Germany or becoming self-employed, this is one of the most important health insurance rules to understand.