What does "Pflichtversichert" mean?

A definition of the term "Pflichtversichert", in plain English.

If you are an employee and you make under 62550€ per year, you are compulsorily insured (Pflichtversichert). This means that public health insurance companies must accept you. It also means that you can't have private health insurance.

When you are not Pflichtversichert, you are voluntarily insured (freiwillig versichert). Public health insurers do not have to accept voluntarily insured people.