Dutch health insurance calculator 2026
Your actual monthly cost after zorgtoeslag subsidy, across all major insurers.
2026 verified data. Premiums are actual 2026 figures from our Dutch health insurance guide. Zorgtoeslag uses the official Belastingdienst formula. You need a BSN before registering with any insurer. Switch deadline: 31 December 2026, new coverage starts 1 January 2027.
Household type
Annual gross income
Determines zorgtoeslag eligibility
Eigen risico (deductible)
Higher deductible = lower monthly premium
Supplementary coverage
Add-ons on top of basic basisverzekering
Residence status
Your cost estimate
Cost comparison \- all insurers (€385 eigen risico)
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No zorgtoeslag at this income
Your income of €35.000 exceeds the 2026 limit of €37.496. You pay the gross premium in full. Consider raising your eigen risico to €485 to save €60/year.
2026 zorgtoeslag by income bracket
Zorgtoeslag is a monthly government subsidy that reduces your actual health insurance cost. It is means-tested and calculated using the official Belastingdienst formula. The amounts below are for single households \- couples receive approximately double.
| Annual income (single) | Monthly zorgtoeslag | Annual total | Net cost (VinkVink) |
|---|---|---|---|
| Below €20,000 | €131/month | €1572/year | €11/month |
| €20,000 - €25,000 | €115/month | €1380/year | €27/month |
| €25,000 - €30,000 | €90/month | €1080/year | €52/month |
| €30,000 - €35,000 | €60/month | €720/year | €82/month |
| €35,000 - €37,496 | €20/month | €240/year | €122/month |
| Above €37,496 | Not eligible | - | €142/month |
Amounts are estimates based on the official 2026 zorgtoeslag formula. Exact figures depend on your final taxable income. Source: Belastingdienst zorgtoeslag.
Eigen risico: premium saving vs. financial risk
Every Dutch insurer offers six eigen risico levels. Raising your deductible lowers your monthly premium but increases out-of-pocket costs if you need specialist care, hospital treatment, or physiotherapy. The minimum €385 eigen risico applies automatically \- you cannot go lower.
| Eigen risico | VinkVink premium | Annual saving vs. €385 | Who it suits |
|---|---|---|---|
| €385minimum | €142,40/mo | - | New arrivals, anyone with chronic condition |
| €485 | €137,40/mo | €60/year | Mostly healthy, small buffer available |
| €585 | €132,40/mo | €120/year | Healthy, 3+ months savings |
| €685 | €127,40/mo | €180/year | Rarely visits specialist |
| €785 | €122,40/mo | €240/year | Excellent health, 6+ months savings |
| €885 | €117,40/mo | €300/year | Maximum savers, very rarely uses care |
What the basisverzekering covers
Every Dutch insurer sells the same legally-defined basic package (basisverzekering). The contents are set by government, not the insurer \- you cannot buy more or less. All six insurers in our calculator cover exactly these services at the same coverage level.
The switching window: November 12 to December 31
Dutch health insurance has a fixed annual switching window. Every year, from around November 12 to December 31, you can switch to a different insurer. New coverage starts on January 1. Outside this window, you cannot change insurers.
Around 1.2 million Dutch residents switch insurers each year. The premium difference between the cheapest and most expensive basic policy is over €500/year - switching takes 10 minutes and saves money immediately. See our complete health insurance guide for a full comparison of all six insurers. New arrivals should also read our moving to the Netherlands guide and check the expat FAQ for registration deadlines.
Frequently asked questions
How accurate is this Dutch health insurance calculator?
The calculator uses actual 2026 premiums from the six main Dutch health insurers and the official 2026 zorgtoeslag formula from the Belastingdienst. The zorgtoeslag estimate is accurate within €1-2/month for most incomes. Actual premiums are exact 2026 figures. Supplementary (aanvullend) packages are market averages - exact add-on costs vary by insurer.
What is eigen risico and how does it affect my costs?
Eigen risico is your annual deductible - the amount you pay out-of-pocket before your insurer covers costs. The minimum is €385 in 2026, set by law and identical at every insurer. You can voluntarily raise it to €485, €585, €685, €785, or €885 to lower your monthly premium. The saving is roughly €5-9/month per €100 increase in deductible. Choose a higher eigen risico only if you have savings to cover it and expect few specialist visits.
Who qualifies for zorgtoeslag in the Netherlands?
You qualify if you are 18+, have valid Dutch health insurance, are registered at a Dutch address (BRP), and your taxable income is below €37,496 (single, 2026) or €47,368 (fiscal partners combined). Non-EU nationals need a valid residence permit. You cannot receive zorgtoeslag if your assets exceed €145,586 (single) or €184,095 (partners). Apply at Toeslagen.nl using your DigiD.
Can I get zorgtoeslag as a non-EU expat?
Yes, if you hold a valid Dutch residence permit (work permit, HSM visa, family reunification, etc.) and meet the income and registration requirements. EU nationals qualify automatically once registered at a Dutch address. Apply at Toeslagen.nl - you need a BSN, DigiD, and your insurer's policy number. The subsidy is paid monthly directly to your bank account.
What is the cheapest health insurance in the Netherlands in 2026?
VinkVink offers the lowest basic premium at €142,40/month with the minimum €385 eigen risico. At maximum eigen risico (€885), UnitedConsumers reaches approximately €112/month. After zorgtoeslag, a low-income single on VinkVink pays as little as €11/month net. The cheapest option depends on your income (zorgtoeslag eligibility) and how much out-of-pocket risk you can absorb.
When can I switch Dutch health insurance?
You can switch once per year. The open enrollment window runs from approximately November 12 to December 31 each year. New coverage starts January 1. If you miss this window, you are locked in for the year. Newly arrived expats can register with any insurer within 4 months of their BRP registration date - missing this results in retroactive fines and backdated premiums from your arrival date.
Related guides and tools
Everything you need for Dutch health insurance as an expat.