The deadline for changing your health insurance for 2026 is fast approaching.Many people think they are stuck with their current policy after December 31.
But that’s not entirely true. Anyone who is smart about it can still switch in January and avoid paying hundreds of euros too much in 2026.
We explain below how this works and what you should pay attention to.
The Official Deadline for Your Health Insurance in 2026
The official switching deadline for your health insurance in 2026 is December 31, 2025. Anyone who switches to another health insurer before that date will automatically be covered as of January 1, 2026.
In that case, everything will be arranged for you:
- Your new health insurance takes effect instantly on January 1
- Your old insurance will be automatically canceled
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