Interactive Tool
Eligibility Engine
Can you legally switch to private health insurance in Germany? Get your answer instantly.
Your Situation
€
JAEG threshold 2026: €77.400/year
Based on legal rules for 2026
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This is a simplified self-check. Your full eligibility may depend on additional factors. For a comprehensive assessment, WhatsApp us or speak with an advisor.
How Eligibility Works in Germany
In Germany, whether you can access private health insurance depends primarily on your employment status and income level:
- Employees must earn above the JAEG threshold (€77.400/year in 2026) to be eligible
- Self-employed professionals are always eligible regardless of income
- Civil servants are always eligible and receive Beihilfe (government healthcare subsidy) — see Beihilfe guide
The JAEG (Jahresarbeitsentgeltgrenze) is adjusted annually. In 2026, it is set at €77.400/year or €6.450/month.
Eligible? Find out what it means for you.
Eligibility is just the first step. Speak with an advisor to understand which tariff and structure fits your life.