How to get insurance after 55
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How to get insurance after 55

One of the most frequent questions we get asked is, “how do I get health insurance after the age of 55?” Well, the answer you’ve probably gotten before is, “you don’t.” Insurance companies have decided that 55 is the cut-off date for switching back to public insurance, so at this point, most applications are denied. 

Regardless of whether you’re German or an expat, it might not be possible to switch to public insurance. Below, we’ll talk you through a few possible solutions. 

Just keep in mind if you signed the opt-out agreement at any point for public health insurance, and you’re over the age of 55, you almost certainly won’t be able to switch back with these methods. If you really want to give it a try though, we’ll help you submit your application.

Working full-time and applying to public insurance

One of the easiest ways to get public health insurance as an EU citizen is to get a full-time job that’s under the limit for opting out. For 2021, this is €62,550 per year. As long as you’re under this number and haven’t signed the opt-out agreement, you shouldn’t have any problems. 

If you’re from the UK, you’ll need to file the E104 form along with a letter from your general practitioner. 

If you’re not an EU citizen, you’ll need to sign up for private health insurance even if you make less than €62,550 per year. 

These rules also apply to people who have retired.

What if I am a refugee?

Refugees are actually considered employed through the Job Center which gives them public health insurance while they are applying for asylum regardless of their age. This means that they were insured publicly at least one day within the last five years which is a requirement for public health insurance after the age of 55.

How can I trick the system?

Yes, this age-old question. If you’re over the age of 55, haven’t signed the opt-out agreement, and are completely sure that you want public health insurance in Germany, we have a few neat tricks that might help you out!

Family insurance

If you want to be a dependent on a family insurance plan, you’ll need to earn less than a certain amount. For 2021, this is €450 per month and €5,460 per year. Additionally, you’ll need to be married to someone who is already on public insurance who can list you as their dependent (which would make for an interesting Tinder bio).

Go abroad

If you can’t find someone to marry who has public insurance, you can go to another European country, get their public insurance and come back. This would make you eligible for public insurance.

General rules

After you’re over 55, you’re generally not eligible for public insurance unless you were insured under public insurance for at least one day in the last five years. If you weren’t insured publically, you can still get public insurance if you were freed from the obligation of having it for a maximum of 900 days (half of the last five years) because of harmful, so-called qualified reasons. For example, exemption due to exceeding the annual salary limits or self-employment is harmful.

If the person in question was not covered by public health insurance for at least 900 days in the last five years for other reasons (known As “harmless”), access to public health insurance remains open even after reaching the age of 55. This is the case, for example, if someone becomes active in Germany after a long stay abroad or if someone had been receiving social welfare benefits for years.

Two examples:
Frank:

Frank turned 55 on the 19th of October 2016. On the 1st of September 2015, Frank started his own business. Right before this, he was on public health insurance. Because he began his own business, Frank switched to private health insurance.

The business was unfortunately not successful, so on the 1st of November 2019, he was offered a position as a full-time employee with a salary below the cut-off limit. Since he was on public insurance only four years ago, Frank would be able to switch to public health insurance even if he is over 55 as he is under the annual income limit and was insured under public insurance in the last 5 years.

Ellie:

For the past 9 years, Ellie has enjoyed a high income, so she has switched to private insurance. After giving birth to her daughter, she decided that it was best to only work part-time which puts her below the annual income limit. She is eligible at this moment to switch back to public insurance, but she decides to stay under her private insurance plan. This decision makes it impossible for Ellie to go back to public insurance in the future.

Conclusion

Getting public insurance after the age of 55 is incredibly complicated and depends entirely on your individual situation. If you need help with your application or are unsure if you qualify, please don’t hesitate to contact us, and we can help you fill out your application to see if you are eligible.

You can also find more information about the German healthcare system on our blog!