The günstige pkv companies provide thousands of tariff combinations which makes it easier for the poor people to get enrolled with a health plan. Employees with a gross salary over € 56,250 in 2016 AND a global annual gross salary over € 54,900 in 2015 have the option of choosing between private and public health insurance. Employees who already have a previous comprehensive Private Health Insurance with the same gross salary of over € 56,250, they are eligible to join Private Health Insurance. Employees who have come on a first-time engagement in Germany with an agreed annual gross salary of over € 56,250 in 2016, have the option of choosing between private and public health insurance. Cohabitants, single housewives or house men or temporary employees with monthly earnings less than € 450 are obliged to join a private Health Insurance incase they are not able to prove a pre-existing European Public Health Insurance coverage.

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