Health Insurance Premiums for 2026 Revealed: Major Shifts in Costs Expected
Dutch health insurance premiums for 2026 are taking shape, with significant variations emerging between insurers. While average premium increases remain modest, consumers could see substantial differences – both positive and negative – depending on their current provider and policy choices. NN is projected to offer the largest premium reduction, while Aevitae anticipates the steepest increase.
These changes impact all Dutch residents required to have basic health insurance, perhaps affecting household budgets and healthcare access. With premiums set to fluctuate by as much as €20 per month between insurers, proactive comparison and policy adjustments are crucial. the open enrollment period is now underway,offering individuals the opportunity to secure the most favorable rates and coverage for the coming year.
Key Findings for 2026:
* Premium Fluctuations: NN is expected to lower premiums by approximately €10.05 per month, while aevitae plans to increase them by roughly €10 per month.
* Deductible Options: Opting for a higher deductible could save consumers up to €22.50 per month.
* Annual Payment Discount: Paying the annual premium in a single payment qualifies for a 4% discount.
* Policy Availability: Approximately 65 basic insurance policies and over 120 additional policies will be available in 2026.
* major Insurers: Zilveren Kruis,VGZ,CZ,and Menzis – the dominant players in the Dutch market - are experiencing minimal average premium increases,but coverage and service levels vary considerably between their policies.
What You Can Do:
Consumers concerned about rising costs or limited coverage shoudl actively explore option insurance providers. Switching insurers is straightforward, with automatic cancellation of existing policies and a 14-day reflection period. The enrollment window remains open until the end of the year, encouraging prompt action.
Start your healthcare comparison for 2026 here.
