Freelancer / self-employed
Who it is for: You hold or want the freelance visa and insure yourself.
Self-employed people choose between voluntary public insurance (income-based, with a minimum) and private insurance (age/health-based). There's no employer to split the cost — budget accordingly.
Your options
Voluntary public insurance
Income-based with a minimum contribution even in lean months; keeps free family co-insurance and easy return.
Typical cost: Roughly €250–430/month minimum, more as income rises.
Private insurance (e.g. ottonova)
Can be cheaper when young/healthy and childless; English-first digital insurers suit internationals.
Typical cost: Individual; often €350–600/month for solid cover.
Our take
If you have (or plan) a family, voluntary public insurance is usually safer. Solo and young? Compare private carefully, remembering premiums rise with age.
Frequently asked questions
Is health insurance mandatory for freelancers?
Yes — health insurance is compulsory for all residents, and proof is required for your residence permit.
Which artists/writers get a subsidy via the KSK?
Self-employed artists, writers and journalists may join the Künstlersozialkasse (KSK), which pays roughly the employer's half of your health and pension contributions — a major saving if you qualify.
Last verified: 21 July 2026