• Advising since 2018
  • 900+ English-speaking clients
  • PKV specialist

German health insurance, simplified. Your English-speaking broker.

Young couple relaxing at home, expats in Germany

Independent advice on private health insurance, in English, at no cost to you. One 30-minute Zoom call shows which cover fits you and what you would pay.

Book a Zoom call in English

5.0 from every reviewon ProvenExpert and Trustpilot

Find your situation

Where to start

Find your situation

Client reviews

What our clients actually think.

5.0/ 533 verified five-star reviews

Client for six years

Six years in, he still responds to my questions about invoices within hours, which is far from the expectation.

Maximilien H.

Client for several years, with two children

I've been a client for several years now and have been excellently looked after the entire time.

Saurabh G.

Client since arriving in Germany, more than five years ago

I've been working with this broker since I arrived in Germany more than 5 years ago … They've always been reliable, helpful, and highly responsive in every interaction.

Anonymous

Client for several years

I have been a client of Jonas for several years now. … I have never regretted the switch.

M.

Private for over three years

Happy for over 3 years — would definitely recommend.

Anonymous

Tax adviser, came with a long list of complex questions

If you are looking for an independent broker who can handle rigorous scrutiny and truly knows the ins and outs of private health insurance, I cannot recommend Jonas Marx highly enough.

Florian

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About us

Who is behind TheGoodBroker?

TheGoodBroker is an independent insurance broker, licensed under §34d, that advises only on private health insurance. Founder Jonas Marx has advised English speakers since 2018, by video, anywhere in Germany. By now, that is more than 900 clients. We are not an insurer and not a comparison site: we compare the whole private market and work for you, not for an insurer. You keep one contact for every question, long after you sign.

Advising since
2018
English-speaking clients
900+
Portrait of Jonas Marx, founder of TheGoodBroker

“Expats deserve the same advice German speakers take for granted. No language barrier. No bias. Just honesty.”

Jonas Marx

Founder & licensed broker

Register no. D-ON7P-Y7Q94-16

More about Jonas
Meet Jonas on Zoom

Cost of advice

Who pays your health insurance broker?

Our advice costs you nothing. The insurer you choose pays us a commission, which every private premium already includes, so your premium is the same with or without a broker. By law, we act for you, whichever insurer pays it. The commission covers the call, the comparison, the application and our help in the years after. A switch to another tariff with your insurer costs you nothing either. If public cover suits you better, we say so.

Start with a free call
Three ways to buy private cover
Whose sideBroker:Yours, by lawInsurer's agent:The insurer'sDirect:The insurer's
Tariffs comparedBroker:The whole marketInsurer's agent:One insurer, sometimes a fewDirect:One insurer
Health check before you applyBroker:Anonymous, across insurersInsurer's agent:With one insurerDirect:With one insurer
In EnglishBroker:AlwaysInsurer's agent:Depends on the agentDirect:Depends on the insurer
Cost to youBroker:Nothing, the insurer pays usInsurer's agent:Nothing, the insurer pays themDirect:Same premium, no adviser of your own
Who answers after signingBroker:Your broker, for yearsInsurer's agent:Your agent, for that insurerDirect:A hotline

You. Are. Not. The. Problem. This system is.

You don’t have to figure it out alone. Here’s how we do it.

Five steps

Four to get covered. One to stay covered.

From first call to fully insured. And the bit that comes after.

  1. Booking app: intro screenBooking app: pick a dayBooking app: pick a timeBooking app: enter your detailsBooking app: confirmation
    Book a call

    Start with a 30-minute call.

    A free call in plain English about your situation, plans, health and family. You ask, we ask, and you leave knowing what fits. The Zoom link arrives by email as soon as you book.

  2. A couple at a wooden table reviewing TheGoodBroker's tariff shortlist together on a laptop.
    The shortlist

    Your shortlist, explained.

    Your best options, in English, with every trade-off on the table. You see exactly why one wins.

  3. A private health insurance application on a wooden desk with tariff sheets, handwritten notes, a pen, a coffee mug and a laptop.
    The paperwork

    We handle the paperwork.

    Anonymous pre-checks across insurers before you apply, then every form filled in correctly the first time.

  4. A young man smiles at his laptop at a wooden desk.
    The start

    Covered on your date.

    Your insurer confirms your cover and start date in writing. If you are employed, your employer pays its share from your first month.

  5. 10:16
    100
    2
    LW
    Lukas Weber
    last seen today at 03:51
    Today
    Long after the sign-up

    Still here, years later.

    We stay your contact for every question: an invoice, a letter from your insurer, a new job or a baby. Our clients hear from us every year.

Start with Step 1

Free 30-minute call · No commitment · Fully independent

Public or private. And what it actually costs.

€250–⁠300

a month · your share for private cover at 30, after your employer’s share (2026)

€648

a month · your share for public cover at the maximum, after your employer’s share (2026)

Employees can go private in a new job over €77,400 a year (2026), the self-⁠employed at any income.

See every level comparedFreelance? See your figures

FAQ

Common questions

Still have questions? We’re happy to help. No strings attached.

Ask us anything
Who is eligible for private health insurance (PKV) in Germany?
Employees earning above the Jahresarbeitsentgeltgrenze (JAEG) of 77,400 EUR gross per year in 2026 can choose PKV. A new job above the limit lets you switch from day one; after a pay rise, you switch on 1 January if your pay also clears the new year’s limit. Freelancers and self-employed professionals can join PKV at any income. EU citizens, non-EU visa holders and other expats working in Germany are eligible on the same terms.
How much does private health insurance cost for a young professional?
A healthy 30-year-old pays 500 to 600 EUR a month for PKV in 2026, in a very good tariff with a deductible of up to 600 EUR a year, long-term care included. As an employee, you pay half: 250 to 300 EUR. Your premium follows your age at entry, your health and the cover you choose.
Does my employer contribute to PKV costs?
Yes. If you are employed, your employer contributes toward both your private health insurance (PKV) and your private care insurance (PPV): half of each premium, capped at 508.59 EUR a month for health and 104.63 EUR for care, so at most 613.22 EUR a month in 2026. The subsidy also covers your children and a spouse with little or no income, within the same maximum. Its maximum follows the employer’s share in public insurance (GKV), so your choice costs your employer about the same.
What is the Beitragsbemessungsgrenze (BBG)?
The BBG is the income ceiling used to calculate public health insurance contributions. In 2026 it is 69,750 EUR gross per year. Up to it, your public contribution grows with your income; above it, you pay the maximum. A private premium does not depend on your income at all.
Is the advice really free, even after I sign?
Yes, all of it. The first call, the full market comparison, the application and paperwork, and every question in the years after you sign. As brokers (Versicherungsmakler), we are paid by the insurer you choose, and German insurers charge the same premium with or without a broker, so your price does not change. If public cover suits you better, we say so.
Can I switch back to public insurance later?
Yes, before 55: if your pay falls below the limit of 77,400 EUR (2026), you return to public cover by law, and your private policy can wait, dormant, for a fraction of the premium. From 55, you usually stay private. Private cover is built for that: part of every premium is set aside for old age. We plan this with you.
What is the difference between GKV and PKV?
PKV (private) prices your premium by age and health at entry, not income, with individual contracts per family member, faster specialist appointments, a single or two-bed room in hospital, and broader dental and vision cover. GKV (public) takes 21.1% of gross income with children and 21.7% without in 2026, long-term care included, up to a maximum, split with your employer, with standard benefits. It insures children and a spouse with little or no income free; from 2028, the spouse costs a surcharge unless, for example, a child under 12 lives at home. Which fits you depends on your income, family and plans, and we compare both for you.
Are my family members covered under PKV?
Yes, each with their own contract: a child costs 200 to 250 EUR a month in a very good tariff. Your employer pays half for your children and a spouse with little or no income too, within the same maximum. A newborn joins your insurer without health questions. We set up cover for the whole family with you.
What happens to my PKV if I leave Germany?
Your private cover ends on the day you deregister from Germany: you show the official deregistration and, depending on where you move, proof of your new cover. To keep a foot in the door, you can keep it dormant (Anwartschaft) for a fraction of the premium: the small version keeps your health status, the large one also your entry age, with your savings for old age still growing. When you return, you restart without new health questions. We set this up with you before you leave.
Do I need a health check to get PKV?
There is usually no physical examination. Insurers decide on a written health questionnaire covering earlier conditions, medications and recent treatment. Earlier conditions can lead to a risk surcharge, an exclusion or, in some cases, a declined application. We run an anonymous risk pre-assessment across insurers before you formally apply, so nothing goes on your record.
Is PKV worth it for freelancers?
Often, yes. A healthy freelancer at 35 pays 400 to 550 EUR a month in a very good tariff with a higher deductible, against up to 1,226 EUR in public cover, where the contribution follows your income. Even with little income, public cover costs at least 270 to 286 EUR a month in 2026, long-term care included. We run the numbers for your situation.

Start with one call

Jonas MarxFounder, licensed insurance broker

Thirty minutes on Zoom, in English. No cost, no commitment.

  • Which system fits you
  • What it costs, or how to pay less
  • Your earliest start date
  • Your own questions
Book a Zoom call in English

Prefer to write first? Email us at info@thegoodbroker.de.

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What private health insurance in Germany pays for in pregnancy and birth: check-ups, midwife, hospital or home birth, the waiting period and your newborn's cover.

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