Why should you consider switching health insurance providers?

First, by comparing quotes from different health insurance providers, you can potentially lower your monthly costs. The prices stay almost the same with 2025. An increase of 3 euro per month. Make sure to compare 2026 prices from different providers, rather than relying on your current plan.

Second, take a close look at your own situation—has anything changed? For instance, do you now need more physical therapy, dental work, or are you planning to get pregnant? Be sure to carefully review the aanvullende zorgverzekering (supplemental insurance) options from various health insurance providers to ensure they meet your current and future needs.

How does switching to another health insurance work?

It's very simple. Every health insurance provider offers a free overstapservice (switching service). This means they will cancel your current health insurance for you and ensure that, starting from the 1st of January, you are fully insured with your new provider.

What happens if you don’t do anything.

This is easy, nothing will change. Bare in mind that in 2026 your monthly costs will go up a little but some insurers have not increased. On average you will have to pay 3 euro per month more in 2026. Because there is a 450 euro per year difference between the most expensive and cheapest health insurer, it can be wise to check some quotes, see some insurers here. This is mainly because of rising health care costs for the Netherlands as a whole.

Health Insurance providers

We have listed some of our favorite health insurance providers here, on our page Health Insurance you can find  more health insurance providers in the Netherlands. 

FBTO

FBTO was founded in 1956. Today FBTO belongs to Achmea, which is one of the larger insurance providers in the Netherlands

>> visit website

OHRA

OHRA is a Dutch insurance known for its digital-first approach and customer-friendly service.

>> visit website