Blanca is member of the Expat Guide team. She moved to the Netherlands in 2019 and works as a teacher.
Everyone in the Netherlands can change his or her health insurance between the 13th of November and the 31st of December. You can decide to move to a different health insurance provider or change your current health insurance by for example change your personal contribution (eigen bijdrage). Your new health insurance will always start the 1st of January the next year.
First, by comparing quotes from different health insurance providers you can potentially lower your monthly costs. Bare in mind that in 2024 all the prices will be higher. So make sure you compare the 2024 prices of the different providers and not the one you have now.
Second, make sure you look at your own situation, did this change? If you for example need more physical therapy, dentist work or do you want to get pregnant. Make sure you look carefully at the aanvullende zorgverzekering from the different health insurance providers.
This is very simple, every health insurance provider offers a free overstapservice. This will mean that they cancel your health insurance with your current provider and will make sure the starting the first of January you are fully insured.
This is easy, nothing will change. Bare in mind that in 2024 your monthly costs will go up. This is mainly because of rising health care costs for the Netherlands as a whole.
On our page Health Insurance we have added the 6 best health insurance providers according to us.