Eligibility
The realistic routes back from PKV to GKV, why age 55 is a hard barrier, and the options if you are over it.
Eligibility
Self-employed people (Selbststaendige) can join PKV regardless of income. Entry rules, costs, and the GKV-vs-PKV decision for freelancers.
Eligibility
The JAEG rose to €77,400 in 2026. What counts as income, the 12-month rule, and what happens if your salary dips below the threshold.