If you are voluntarily insured (freiwillig versichert), you can choose public or private health insurance.
You are freiwillig versichert if…
- You are an employee, and you earn over €73,800 per year
- or you are self-employed
- or you are a student
- or you have a minijob
- or you earn less than €535 per year
- or you are a civil servant (Beamter)
Everyone else is Pflichtversichert and must choose public health insurance.