{"id":14315,"date":"2026-05-27T11:35:27","date_gmt":"2026-05-27T09:35:27","guid":{"rendered":"https:\/\/x-group.de\/health-insurance-when-starting-a-business-what-you-need-to-know-as-a-self-employed-person-entwurf\/"},"modified":"2026-10-13T15:05:59","modified_gmt":"2026-10-13T13:05:59","slug":"health-insurance-when-starting-a-business-what-you-need-to-know-as-a-self-employed-person","status":"publish","type":"post","link":"https:\/\/x-group.de\/en\/health-insurance-when-starting-a-business-what-you-need-to-know-as-a-self-employed-person\/","title":{"rendered":"Health Insurance When Starting a Business: What You Need to Know as a Self-Employed Person"},"content":{"rendered":"<div id=\"xg-preview-v2\">\n<header class=\"xg-head\">\n<div class=\"xg-wrap xg-head-inner\"><a aria-label=\"X-Group homepage\" class=\"xg-logo\" href=\"https:\/\/x-group.de\/en\/\"><img decoding=\"async\" alt=\"X-Group\" height=\"47\" src=\"https:\/\/x-group.de\/wp-content\/uploads\/2023\/06\/X-GROUP-logo-250x86.png\" width=\"126\"\/><\/a><button aria-controls=\"xg-main-nav\" aria-expanded=\"false\" class=\"xg-menu-toggle\">Menu<\/button><\/p>\n<nav aria-label=\"Main navigation\" class=\"xg-nav\" id=\"xg-main-nav\">\n<details>\n<summary>Financing<\/summary>\n<div class=\"xg-subnav\"><a href=\"https:\/\/x-group.de\/en\/startup-financing\/\">Start-up Financing<\/a><a href=\"https:\/\/x-group.de\/en\/kfw-startgeld\/\">KfW StartGeld<\/a><a href=\"https:\/\/x-group.de\/en\/financing-rejected\/\">Financing Rejected<\/a><a href=\"https:\/\/x-group.de\/en\/business-acquisition-financing\/\">Business Acquisition<\/a><a href=\"https:\/\/x-group.de\/en\/restaurant-financing\/\">Gastronomy<\/a><a href=\"https:\/\/x-group.de\/en\/restaurant-acquisition-financing\/\">Restaurant Takeover<\/a><a href=\"https:\/\/x-group.de\/en\/medical-practice-acquisition-financing\/\">Practice Takeover<\/a><a href=\"https:\/\/x-group.de\/en\/pharmacy-financing\/\">Pharmacy<\/a><a href=\"https:\/\/x-group.de\/en\/retail-financing\/\">Retail<\/a><a href=\"https:\/\/x-group.de\/en\/trades-business-financing\/\">Craft Business<\/a><a href=\"https:\/\/x-group.de\/en\/financing-check\/\">Financing Check<\/a><\/div>\n<\/details>\n<details>\n<summary>Funding<\/summary>\n<div class=\"xg-subnav\"><a href=\"https:\/\/x-group.de\/en\/startup-grant\/\">Start-up Grant (Gr\u00fcndungszuschuss)<\/a><a href=\"https:\/\/x-group.de\/en\/avgs-startup-coaching\/\">AVGS Start-up Coaching<\/a><a href=\"https:\/\/x-group.de\/en\/bafa-consulting\/\">BAFA Consultancy Funding<\/a><a href=\"https:\/\/x-group.de\/en\/funding\/\">Overview of Funding Options<\/a><\/div>\n<\/details>\n<details>\n<summary>Services<\/summary>\n<div class=\"xg-subnav\"><a href=\"https:\/\/x-group.de\/en\/services\/\">All Services &amp; Packages<\/a><a href=\"https:\/\/x-group.de\/en\/business-plan\/\">Business Plan<\/a><a href=\"https:\/\/x-group.de\/en\/financial-plan\/\">Financial Plan<\/a><a href=\"https:\/\/x-group.de\/en\/services\/#module\">24 Advisory Modules<\/a><\/div>\n<\/details>\n<details>\n<summary>Best Cases<\/summary>\n<div class=\"xg-subnav\"><a href=\"https:\/\/x-group.de\/en\/client-results\/\">Client Results &amp; Videos<\/a><\/div>\n<\/details>\n<details>\n<summary>About Us<\/summary>\n<div class=\"xg-subnav\"><a href=\"https:\/\/x-group.de\/en\/daniel-schaefer\/\">Daniel Sch\u00e4fer<\/a><a href=\"https:\/\/x-group.de\/en\/team\/\">Team &amp; X-Group<\/a><a href=\"https:\/\/x-group.de\/en\/contact\/\">Contact<\/a><a href=\"https:\/\/x-group.de\/en\/links\/\">All Appointments &amp; Direct Links<\/a><\/div>\n<\/details>\n<details>\n<summary>Knowledge &amp; Free Resources<\/summary>\n<div class=\"xg-subnav\"><a href=\"https:\/\/x-group.de\/en\/knowledge\/\">Knowledge &amp; Guides<\/a><a href=\"https:\/\/x-group.de\/en\/downloads\/\">Forms &amp; Downloads<\/a><a href=\"https:\/\/www.youtube.com\/channel\/UCmlJMIv8lRTEkXNHcFzQtZw\/\">YouTube<\/a><\/div>\n<\/details>\n<\/nav>\n<p><a class=\"xg-btn xg-head-cta\" href=\"https:\/\/x-group.de\/en\/financing-check\/\">Financing Check<\/a><\/div>\n<\/header>\n<p><main><\/p>\n<section class=\"xg-page-hero\">\n<div class=\"xg-wrap\"><span class=\"xg-eyebrow\">Knowledge &amp; resources \u00b7 Germany<\/span><\/p>\n<h1>Health Insurance When Starting a Business: What You Need to Know as a Self-Employed Person<\/h1>\n<p>Original article: 2026-05-27. English translation. Programme details reflect the original publication date.<\/p>\n<\/div>\n<\/section>\n<section class=\"xg-section\">\n<div class=\"xg-wrap xg-article-body\">\n<h2 class=\"text-text-100 mt-3 -mb-1 text-[1.375rem] font-bold\">Health Insurance When Starting a Business: What You Need to Know as a Self-Employed Person<\/h2>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"><strong>Category:<\/strong>\u00a0Start-up &amp; Finance |\u00a0<strong>Author:<\/strong>\u00a0Daniel Sch\u00e4fer |\u00a0<strong>Reading time:<\/strong>\u00a06 min.<\/p>\n<hr class=\"border-border-200 border-t-0.5 my-3 mx-1.5\"\/>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">You want to become self-employed \u2013 but what happens to your health insurance? Who pays the contributions? Do you have to switch to private insurance? And what many do not know: In the first months after starting your business, you can secure a valuable subsidy \u2013 if you make the right decisions at the right time.<\/p>\n<hr class=\"border-border-200 border-t-0.5 my-3 mx-1.5\"\/>\n<h3 class=\"text-text-100 mt-3 -mb-1 text-[1.125rem] font-bold\">Contents<\/h3>\n<ol class=\"[li_&amp;]:mb-0 [li_&amp;]:mt-1 [li_&amp;]:gap-1 [&amp;:not(:last-child)_ul]:pb-1 [&amp;:not(:last-child)_ol]:pb-1 list-decimal flex flex-col gap-1 pl-8 mb-3\">\n<li class=\"font-claude-response-body whitespace-normal break-words pl-2\">The 4 phases of health insurance for founders<\/li>\n<li class=\"font-claude-response-body whitespace-normal break-words pl-2\">Phase 1 \u2013 Today: Statutory or private insurance<\/li>\n<li class=\"font-claude-response-body whitespace-normal break-words pl-2\">Phase 2 \u2013 Unemployment: Who pays your contributions?<\/li>\n<li class=\"font-claude-response-body whitespace-normal break-words pl-2\">Phase 3 \u2013 Starting a business from unemployment: Secure a \u20ac300 grant<\/li>\n<li class=\"font-claude-response-body whitespace-normal break-words pl-2\">Phase 4 \u2013 Self-employment: Statutory or private \u2013 which is worthwhile?<\/li>\n<li class=\"font-claude-response-body whitespace-normal break-words pl-2\">The decision between private and statutory insurance: What you need to consider in the long term<\/li>\n<li class=\"font-claude-response-body whitespace-normal break-words pl-2\">Conclusion and next steps<\/li>\n<\/ol>\n<hr class=\"border-border-200 border-t-0.5 my-3 mx-1.5\"\/>\n<h3 class=\"text-text-100 mt-3 -mb-1 text-[1.125rem] font-bold\">The 4 phases of health insurance for founders<\/h3>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">Health insurance is often a blind spot for many when starting a business \u2013 yet making the right decision at the right time can save you hundreds of euros per month. The easiest way to get an overview is to break the topic down into four phases: where you are today, what happens during unemployment, what is possible when starting your business, and what comes next.<\/p>\n<hr class=\"border-border-200 border-t-0.5 my-3 mx-1.5\"\/>\n<h3 class=\"text-text-100 mt-3 -mb-1 text-[1.125rem] font-bold\">Phase 1 \u2013 Today: Statutory or private insurance<\/h3>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">Your starting point determines your options. Are you currently\u00a0<strong>statutorily insured<\/strong>, you have more flexibility when transitioning to self-employment \u2013 you can stay or switch. If you are already\u00a0<strong>privately insured<\/strong>, different rules apply \u2013 especially when it comes to family members who need to be insured.<\/p>\n<blockquote class=\"ml-2 border-l-4 border-border-300\/10 pl-4 text-text-300\">\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"><strong>Important:<\/strong>\u00a0In statutory health insurance, spouses and children are often co-insured free of charge. In private insurance, each person must be insured individually \u2013 which can quickly increase monthly costs significantly.<\/p>\n<\/blockquote>\n<hr class=\"border-border-200 border-t-0.5 my-3 mx-1.5\"\/>\n<h3 class=\"text-text-100 mt-3 -mb-1 text-[1.125rem] font-bold\">Phase 2 \u2013 Unemployment: Who pays your contributions?<\/h3>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">If you resign from your job, are made redundant, or give up your previous self-employment and go to the job centre, the\u00a0<strong>Employment Agency or Job Centre<\/strong>\u00a0usually covers your health insurance contributions \u2013 regardless of whether you are insured under the statutory or private scheme.<\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">This means: During this transitional phase, you do not need to worry about your health insurance. The costs will continue to be covered until you move on to the next phase.<\/p>\n<hr class=\"border-border-200 border-t-0.5 my-3 mx-1.5\"\/>\n<h3 class=\"text-text-100 mt-3 -mb-1 text-[1.125rem] font-bold\">Phase 3 \u2013 Starting a business from unemployment: Secure a \u20ac300 grant<\/h3>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">This is the phase that many founders simply do not know about \u2013 and as a result, they miss out on real financial benefits.<\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">If you apply for your\u00a0<strong>start-up grant (Gr\u00fcndungszuschuss) from unemployment (ALG I)<\/strong>\u00a0at the Employment Agency, the agency will finance your health insurance contributions for approximately\u00a0<strong>15 months<\/strong>\u00a0\u2013 up to a maximum of\u00a0<strong>\u20ac300 per month<\/strong>. You then use this amount to pay your health and long-term care insurance.<\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">The same applies to the Job Centre (ALG II): Here too, health and long-term care insurance costs are covered directly for the first few months \u2013 as long as you remain eligible for support.<\/p>\n<blockquote class=\"ml-2 border-l-4 border-border-300\/10 pl-4 text-text-300\">\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">\u00a0<strong>Please note:<\/strong>\u00a0If you miss or incorrectly plan this phase, you could lose up to \u20ac4,500 in grants. Seek advice in good time before submitting your application.<\/p>\n<\/blockquote>\n<hr class=\"border-border-200 border-t-0.5 my-3 mx-1.5\"\/>\n<h3 class=\"text-text-100 mt-3 -mb-1 text-[1.125rem] font-bold\">Phase 4 \u2013 Self-employment: Statutory or private \u2013 which is worthwhile?<\/h3>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">Once you have set up your business, you must organise your own health insurance. You generally have three options:<\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"><strong>Option 1 \u2013 Remain in the statutory scheme<\/strong>\u00a0In your first year of self-employment, when your turnover is still low, statutory contributions are often surprisingly affordable \u2013 as they are based on your actual income. As your income increases, so do your contributions \u2013 but proportionally and predictably.<\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"><strong>Option 2 \u2013 Switch to private insurance<\/strong>\u00a0For young, healthy founders without a family, private health insurance can initially be cheaper. But caution: What costs \u20ac150 today could rise to \u20ac800 or even over \u20ac1,000 per month in ten years \u2013 and it is not easy to switch back.<\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"><strong>Option 3 \u2013 Statutory insurance plus private supplementary insurance<\/strong>\u00a0A frequently underestimated middle ground: You remain in the statutory scheme and add private supplementary insurance for dental treatment, alternative practitioners or other services. Additional costs of \u20ac20 to \u20ac70 per month \u2013 with significantly expanded benefits.<\/p>\n<hr class=\"border-border-200 border-t-0.5 my-3 mx-1.5\"\/>\n<h3 class=\"text-text-100 mt-3 -mb-1 text-[1.125rem] font-bold\">The decision between private and statutory insurance: What you need to consider in the long term<\/h3>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">The decision between statutory and private health insurance is one of the most significant you will make as a founder. Here are the key points you need to know:<\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"><strong>The 55-year rule:<\/strong>\u00a0You can only switch from private back to statutory health insurance up to the age of 55. After that, you remain in the private scheme \u2013 regardless of how your financial situation develops.<\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"><strong>The income threshold:<\/strong>\u00a0Switching to private insurance is only possible once your annual gross income is approximately \u20ac60,000 to \u20ac70,000. This threshold changes annually.<\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"><strong>Contribution development:<\/strong>\u00a0Private contributions can increase by 10 to 30% per year over time. If you pay 200 euros today, in ten years you could be paying 600, 800 or even more than 1,000 euros \u2013 with no option to reduce your contribution.<\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"><strong>Family situation:<\/strong>\u00a0With children and a spouse, statutory family health insurance can be significantly more affordable than four separate private policies.<\/p>\n<blockquote class=\"ml-2 border-l-4 border-border-300\/10 pl-4 text-text-300\">\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"><strong>Clear recommendation:<\/strong>\u00a0Have the figures calculated in black and white by an independent insurance advisor \u2013 for your specific situation, not in general. The wrong decision can cost you dearly for decades.<\/p>\n<\/blockquote>\n<hr class=\"border-border-200 border-t-0.5 my-3 mx-1.5\"\/>\n<h3 class=\"text-text-100 mt-3 -mb-1 text-[1.125rem] font-bold\">Conclusion: Plan your health insurance before starting your business \u2013 not afterwards<\/h3>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">Health insurance is not something you can sort out after starting your business. The crucial decisions are made beforehand \u2013 especially if you are entitled to the start-up grant (Gr\u00fcndungszuschuss) and do not want to miss out on the 300 euro monthly subsidy.<\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">The key points summarised: The Employment Agency and Job Centre continue to cover your contributions during the transition phase, with the start-up grant (Gr\u00fcndungszuschuss) you can receive a subsidy of 300 euros per month for up to 15 months, the decision between statutory and private insurance should be made individually and with a long-term perspective, and anyone who is stuck in private insurance after the age of 55 has no option to return.<\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">If you need support with any of these questions \u2013 not just health insurance, but also preparing a bank-ready business plan and the right financing strategy \u2013 then a free initial consultation with X-Group is the right first step.<\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\"><a class=\"underline underline underline-offset-2 decoration-1 decoration-current\/40 hover:decoration-current focus:decoration-current\" href=\"https:\/\/x-group.de\/en\/#kalender\">\ud83d\udc49 Book a free initial consultation now<\/a><\/p>\n<hr class=\"border-border-200 border-t-0.5 my-3 mx-1.5\"\/>\n<h3 class=\"text-text-100 mt-3 -mb-1 text-[1.125rem] font-bold\">About X-Group<\/h3>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">Belief in your potential and a focus on the things that truly move you forward are top priorities at X-Group GmbH in Berlin. For over 20 years, we have supported founders at every stage \u2013 from health insurance questions to the completed loan application. Certified nationwide for advisory funding programmes: 50 to 100% subsidy on consulting costs is possible.<\/p>\n<p class=\"font-claude-response-body break-words whitespace-normal leading-[1.7]\">\n<\/div>\n<\/section>\n<p><\/main><\/p>\n<footer class=\"xg-footer\">\n<div class=\"xg-wrap\">\n<div class=\"xg-footer-top\"><img decoding=\"async\" alt=\"X-Group\" height=\"56\" src=\"https:\/\/x-group.de\/wp-content\/uploads\/2023\/06\/X-GROUP-logo-250x86.png\" width=\"150\"\/><\/p>\n<p>We prepare start-ups and businesses for financing and funding.<\/p>\n<\/div>\n<div class=\"xg-footer-cols\">\n<div>\n<h3>Start-up &amp; financing<\/h3>\n<p><a href=\"https:\/\/x-group.de\/en\/startup-financing\/\">Start-up Financing<\/a><a href=\"https:\/\/x-group.de\/en\/business-plan\/\">Business Plan<\/a><a href=\"https:\/\/x-group.de\/en\/financial-plan\/\">Financial Plan<\/a><a href=\"https:\/\/x-group.de\/en\/kfw-startgeld\/\">KfW StartGeld<\/a><a href=\"https:\/\/x-group.de\/en\/financing-rejected\/\">Financing Rejected<\/a><a href=\"https:\/\/x-group.de\/en\/business-acquisition-financing\/\">Business Acquisition<\/a><\/div>\n<div>\n<h3>Funding &amp; consulting<\/h3>\n<p><a href=\"https:\/\/x-group.de\/en\/startup-grant\/\">Start-up Grant (Gr\u00fcndungszuschuss)<\/a><a href=\"https:\/\/x-group.de\/en\/avgs-startup-coaching\/\">AVGS coaching<\/a><a href=\"https:\/\/x-group.de\/en\/bafa-consulting\/\">BAFA consulting<\/a><a href=\"https:\/\/x-group.de\/en\/services\/\">All services<\/a><a href=\"https:\/\/x-group.de\/en\/funding\/\">Funding<\/a><a href=\"https:\/\/x-group.de\/en\/financing-check\/\">Financing Check<\/a><\/div>\n<div>\n<h3>Daniel &amp; X-Group<\/h3>\n<p><a href=\"https:\/\/x-group.de\/en\/daniel-schaefer\/\">Daniel Sch\u00e4fer<\/a><a href=\"https:\/\/x-group.de\/en\/team\/\">Our team<\/a><a href=\"https:\/\/x-group.de\/en\/client-results\/\">Best Cases<\/a><a href=\"https:\/\/x-group.de\/en\/contact\/\">Contact<\/a><a href=\"https:\/\/x-group.de\/en\/#kalender\">Initial consultation<\/a><a href=\"https:\/\/x-group.de\/en\/links\/\">All appointments \/ links<\/a><\/div>\n<div>\n<h3>Knowledge &amp; legal information<\/h3>\n<p><a href=\"https:\/\/x-group.de\/en\/knowledge\/\">Guides &amp; blog<\/a><a href=\"https:\/\/x-group.de\/en\/downloads\/\">Forms &amp; Downloads<\/a><a href=\"https:\/\/x-group.de\/en\/legal-notice\/\">Imprint<\/a><a href=\"https:\/\/x-group.de\/en\/privacy-policy\/\">Data protection<\/a><\/div>\n<\/div>\n<div class=\"xg-footer-bottom\"><span>\u00a9 2026 X-Group \u00b7 <a href=\"tel:+4930683282600\">030 683 282 600<\/a> \u00b7 <a href=\"mailto:team@x-group.de\">team@x-group.de<\/a><\/span><span><a href=\"https:\/\/x-group.de\/wp-content\/uploads\/2023\/06\/AGB-x-group-GmbH-2015.pdf\">Terms &amp; Conditions<\/a> \u00b7 <button id=\"xg-cookie-settings\" type=\"button\">Cookie settings<\/button><\/span><\/div>\n<\/div>\n<\/footer>\n<div class=\"xg-mobile-cta\" hidden=\"\"><a class=\"xg-btn\" href=\"https:\/\/x-group.de\/en\/#kalender\">Free initial consultation <span aria-hidden=\"true\">\u2197<\/span><\/a><a aria-label=\"Call X-Group\" href=\"tel:+4930683282600\">\u260e<\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Menu Financing Start-up FinancingKfW StartGeldFinancing RejectedBusiness AcquisitionGastronomyRestaurant TakeoverPractice TakeoverPharmacyRetailCraft BusinessFinancing Check Funding Start-up Grant (Gr\u00fcndungszuschuss)AVGS Start-up CoachingBAFA Consultancy FundingOverview of Funding Options Services All Services &amp; PackagesBusiness PlanFinancial Plan24 Advisory Modules Best Cases Client Results &amp; Videos About Us Daniel Sch\u00e4ferTeam &amp; X-GroupContactAll Appointments &amp; Direct Links Knowledge &amp; Free Resources Knowledge &amp; GuidesForms &amp; [&hellip;]<\/p>\n","protected":false},"author":20,"featured_media":14525,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"default","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[1],"tags":[],"class_list":["post-14315","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-unkategorisiert"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Health Insurance When Starting a Business: What You Need to Know as a Self-Employed Person - X-Group<\/title>\n<meta name=\"description\" content=\"Original article: 2026-05-27. English translation. Programme details reflect the original publication date.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/x-group.de\/en\/health-insurance-when-starting-a-business-what-you-need-to-know-as-a-self-employed-person\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Health Insurance When Starting a Business: What You Need to Know as a Self-Employed Person - X-Group\" \/>\n<meta property=\"og:description\" content=\"Original article: 2026-05-27. English translation. Programme details reflect the original publication date.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/x-group.de\/en\/health-insurance-when-starting-a-business-what-you-need-to-know-as-a-self-employed-person\/\" \/>\n<meta property=\"og:site_name\" content=\"X-Group\" \/>\n<meta property=\"article:published_time\" content=\"2026-05-27T09:35:27+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-10-13T13:05:59+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/x-group.de\/wp-content\/uploads\/2026\/05\/Blog-Thumbnails-1-1.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1024\" \/>\n\t<meta property=\"og:image:height\" content=\"768\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Janine Pommerening\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Janine Pommerening\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/x-group.de\\\/en\\\/health-insurance-when-starting-a-business-what-you-need-to-know-as-a-self-employed-person\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/x-group.de\\\/en\\\/health-insurance-when-starting-a-business-what-you-need-to-know-as-a-self-employed-person\\\/\"},\"author\":{\"name\":\"Janine Pommerening\",\"@id\":\"https:\\\/\\\/x-group.de\\\/en\\\/#\\\/schema\\\/person\\\/48d80df3d11b9acfc2a81593196d7be5\"},\"headline\":\"Health Insurance When Starting a Business: What You Need to Know as a Self-Employed Person\",\"datePublished\":\"2026-05-27T09:35:27+00:00\",\"dateModified\":\"2026-10-13T13:05:59+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/x-group.de\\\/en\\\/health-insurance-when-starting-a-business-what-you-need-to-know-as-a-self-employed-person\\\/\"},\"wordCount\":1287,\"publisher\":{\"@id\":\"https:\\\/\\\/x-group.de\\\/en\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/x-group.de\\\/en\\\/health-insurance-when-starting-a-business-what-you-need-to-know-as-a-self-employed-person\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/x-group.de\\\/wp-content\\\/uploads\\\/2026\\\/05\\\/Blog-Thumbnails-1-1.png\",\"articleSection\":[\"Unkategorisiert\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/x-group.de\\\/en\\\/health-insurance-when-starting-a-business-what-you-need-to-know-as-a-self-employed-person\\\/\",\"url\":\"https:\\\/\\\/x-group.de\\\/en\\\/health-insurance-when-starting-a-business-what-you-need-to-know-as-a-self-employed-person\\\/\",\"name\":\"Health Insurance When Starting a Business: What You Need to Know as a Self-Employed Person - X-Group\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/x-group.de\\\/en\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/x-group.de\\\/en\\\/health-insurance-when-starting-a-business-what-you-need-to-know-as-a-self-employed-person\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/x-group.de\\\/en\\\/health-insurance-when-starting-a-business-what-you-need-to-know-as-a-self-employed-person\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/x-group.de\\\/wp-content\\\/uploads\\\/2026\\\/05\\\/Blog-Thumbnails-1-1.png\",\"datePublished\":\"2026-05-27T09:35:27+00:00\",\"dateModified\":\"2026-10-13T13:05:59+00:00\",\"description\":\"Original article: 2026-05-27. English translation. Programme details reflect the original publication date.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/x-group.de\\\/en\\\/health-insurance-when-starting-a-business-what-you-need-to-know-as-a-self-employed-person\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/x-group.de\\\/en\\\/health-insurance-when-starting-a-business-what-you-need-to-know-as-a-self-employed-person\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/x-group.de\\\/en\\\/health-insurance-when-starting-a-business-what-you-need-to-know-as-a-self-employed-person\\\/#primaryimage\",\"url\":\"https:\\\/\\\/x-group.de\\\/wp-content\\\/uploads\\\/2026\\\/05\\\/Blog-Thumbnails-1-1.png\",\"contentUrl\":\"https:\\\/\\\/x-group.de\\\/wp-content\\\/uploads\\\/2026\\\/05\\\/Blog-Thumbnails-1-1.png\",\"width\":1024,\"height\":768},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/x-group.de\\\/en\\\/health-insurance-when-starting-a-business-what-you-need-to-know-as-a-self-employed-person\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Startseite\",\"item\":\"https:\\\/\\\/x-group.de\\\/en\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Health Insurance When Starting a Business: What You Need to Know as a Self-Employed Person\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/x-group.de\\\/en\\\/#website\",\"url\":\"https:\\\/\\\/x-group.de\\\/en\\\/\",\"name\":\"X-Group\",\"description\":\"Wir machen Unternehmer\",\"publisher\":{\"@id\":\"https:\\\/\\\/x-group.de\\\/en\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/x-group.de\\\/en\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/x-group.de\\\/en\\\/#organization\",\"name\":\"X-Group\",\"url\":\"https:\\\/\\\/x-group.de\\\/en\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/x-group.de\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/x-group.de\\\/wp-content\\\/uploads\\\/2023\\\/06\\\/X-GROUP-logo.png\",\"contentUrl\":\"https:\\\/\\\/x-group.de\\\/wp-content\\\/uploads\\\/2023\\\/06\\\/X-GROUP-logo.png\",\"width\":1157,\"height\":396,\"caption\":\"X-Group\"},\"image\":{\"@id\":\"https:\\\/\\\/x-group.de\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/x-group.de\\\/en\\\/#\\\/schema\\\/person\\\/48d80df3d11b9acfc2a81593196d7be5\",\"name\":\"Janine Pommerening\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/8494b79e1a95d8ca6354dbdd0639e195e2817f131d101aa392d526448f9cff6e?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/8494b79e1a95d8ca6354dbdd0639e195e2817f131d101aa392d526448f9cff6e?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/8494b79e1a95d8ca6354dbdd0639e195e2817f131d101aa392d526448f9cff6e?s=96&d=mm&r=g\",\"caption\":\"Janine Pommerening\"},\"sameAs\":[\"http:\\\/\\\/wwww.x-group.de\"],\"url\":\"https:\\\/\\\/x-group.de\\\/en\\\/author\\\/j-pommerening\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Health Insurance When Starting a Business: What You Need to Know as a Self-Employed Person - X-Group","description":"Original article: 2026-05-27. English translation. Programme details reflect the original publication date.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/x-group.de\/en\/health-insurance-when-starting-a-business-what-you-need-to-know-as-a-self-employed-person\/","og_locale":"en_US","og_type":"article","og_title":"Health Insurance When Starting a Business: What You Need to Know as a Self-Employed Person - X-Group","og_description":"Original article: 2026-05-27. English translation. Programme details reflect the original publication date.","og_url":"https:\/\/x-group.de\/en\/health-insurance-when-starting-a-business-what-you-need-to-know-as-a-self-employed-person\/","og_site_name":"X-Group","article_published_time":"2026-05-27T09:35:27+00:00","article_modified_time":"2026-10-13T13:05:59+00:00","og_image":[{"width":1024,"height":768,"url":"https:\/\/x-group.de\/wp-content\/uploads\/2026\/05\/Blog-Thumbnails-1-1.png","type":"image\/png"}],"author":"Janine Pommerening","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Janine Pommerening","Est. reading time":"6 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/x-group.de\/en\/health-insurance-when-starting-a-business-what-you-need-to-know-as-a-self-employed-person\/#article","isPartOf":{"@id":"https:\/\/x-group.de\/en\/health-insurance-when-starting-a-business-what-you-need-to-know-as-a-self-employed-person\/"},"author":{"name":"Janine Pommerening","@id":"https:\/\/x-group.de\/en\/#\/schema\/person\/48d80df3d11b9acfc2a81593196d7be5"},"headline":"Health Insurance When Starting a Business: What You Need to Know as a Self-Employed Person","datePublished":"2026-05-27T09:35:27+00:00","dateModified":"2026-10-13T13:05:59+00:00","mainEntityOfPage":{"@id":"https:\/\/x-group.de\/en\/health-insurance-when-starting-a-business-what-you-need-to-know-as-a-self-employed-person\/"},"wordCount":1287,"publisher":{"@id":"https:\/\/x-group.de\/en\/#organization"},"image":{"@id":"https:\/\/x-group.de\/en\/health-insurance-when-starting-a-business-what-you-need-to-know-as-a-self-employed-person\/#primaryimage"},"thumbnailUrl":"https:\/\/x-group.de\/wp-content\/uploads\/2026\/05\/Blog-Thumbnails-1-1.png","articleSection":["Unkategorisiert"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/x-group.de\/en\/health-insurance-when-starting-a-business-what-you-need-to-know-as-a-self-employed-person\/","url":"https:\/\/x-group.de\/en\/health-insurance-when-starting-a-business-what-you-need-to-know-as-a-self-employed-person\/","name":"Health Insurance When Starting a Business: What You Need to Know as a Self-Employed Person - X-Group","isPartOf":{"@id":"https:\/\/x-group.de\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/x-group.de\/en\/health-insurance-when-starting-a-business-what-you-need-to-know-as-a-self-employed-person\/#primaryimage"},"image":{"@id":"https:\/\/x-group.de\/en\/health-insurance-when-starting-a-business-what-you-need-to-know-as-a-self-employed-person\/#primaryimage"},"thumbnailUrl":"https:\/\/x-group.de\/wp-content\/uploads\/2026\/05\/Blog-Thumbnails-1-1.png","datePublished":"2026-05-27T09:35:27+00:00","dateModified":"2026-10-13T13:05:59+00:00","description":"Original article: 2026-05-27. English translation. Programme details reflect the original publication date.","breadcrumb":{"@id":"https:\/\/x-group.de\/en\/health-insurance-when-starting-a-business-what-you-need-to-know-as-a-self-employed-person\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/x-group.de\/en\/health-insurance-when-starting-a-business-what-you-need-to-know-as-a-self-employed-person\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/x-group.de\/en\/health-insurance-when-starting-a-business-what-you-need-to-know-as-a-self-employed-person\/#primaryimage","url":"https:\/\/x-group.de\/wp-content\/uploads\/2026\/05\/Blog-Thumbnails-1-1.png","contentUrl":"https:\/\/x-group.de\/wp-content\/uploads\/2026\/05\/Blog-Thumbnails-1-1.png","width":1024,"height":768},{"@type":"BreadcrumbList","@id":"https:\/\/x-group.de\/en\/health-insurance-when-starting-a-business-what-you-need-to-know-as-a-self-employed-person\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Startseite","item":"https:\/\/x-group.de\/en\/"},{"@type":"ListItem","position":2,"name":"Health Insurance When Starting a Business: What You Need to Know as a Self-Employed Person"}]},{"@type":"WebSite","@id":"https:\/\/x-group.de\/en\/#website","url":"https:\/\/x-group.de\/en\/","name":"X-Group","description":"Wir machen Unternehmer","publisher":{"@id":"https:\/\/x-group.de\/en\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/x-group.de\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/x-group.de\/en\/#organization","name":"X-Group","url":"https:\/\/x-group.de\/en\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/x-group.de\/en\/#\/schema\/logo\/image\/","url":"https:\/\/x-group.de\/wp-content\/uploads\/2023\/06\/X-GROUP-logo.png","contentUrl":"https:\/\/x-group.de\/wp-content\/uploads\/2023\/06\/X-GROUP-logo.png","width":1157,"height":396,"caption":"X-Group"},"image":{"@id":"https:\/\/x-group.de\/en\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/x-group.de\/en\/#\/schema\/person\/48d80df3d11b9acfc2a81593196d7be5","name":"Janine Pommerening","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/8494b79e1a95d8ca6354dbdd0639e195e2817f131d101aa392d526448f9cff6e?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/8494b79e1a95d8ca6354dbdd0639e195e2817f131d101aa392d526448f9cff6e?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/8494b79e1a95d8ca6354dbdd0639e195e2817f131d101aa392d526448f9cff6e?s=96&d=mm&r=g","caption":"Janine Pommerening"},"sameAs":["http:\/\/wwww.x-group.de"],"url":"https:\/\/x-group.de\/en\/author\/j-pommerening\/"}]}},"_links":{"self":[{"href":"https:\/\/x-group.de\/en\/wp-json\/wp\/v2\/posts\/14315","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/x-group.de\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/x-group.de\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/x-group.de\/en\/wp-json\/wp\/v2\/users\/20"}],"replies":[{"embeddable":true,"href":"https:\/\/x-group.de\/en\/wp-json\/wp\/v2\/comments?post=14315"}],"version-history":[{"count":2,"href":"https:\/\/x-group.de\/en\/wp-json\/wp\/v2\/posts\/14315\/revisions"}],"predecessor-version":[{"id":14851,"href":"https:\/\/x-group.de\/en\/wp-json\/wp\/v2\/posts\/14315\/revisions\/14851"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/x-group.de\/en\/wp-json\/wp\/v2\/media\/14525"}],"wp:attachment":[{"href":"https:\/\/x-group.de\/en\/wp-json\/wp\/v2\/media?parent=14315"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/x-group.de\/en\/wp-json\/wp\/v2\/categories?post=14315"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/x-group.de\/en\/wp-json\/wp\/v2\/tags?post=14315"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}