Dutch health insurance providers have released their premiums for 2027, and all of them are increasing. The new rates, announced on November 12, mean that everyone with basic Dutch health insurance will pay more next year. The exact amount varies by insurer and policy, but the trend is uniform: premiums are going up across the board.
If you are living or working in the Netherlands, you are required to have basic health insurance (basisverzekering). The good news is that you have until December 31, 2026 to decide whether to stay with your current provider or switch to another. Insurers are required to publish their rates well before this deadline so you can compare. Switching is straightforward and can often be done online.
What this means if you are learning Dutch or new in the Netherlands
If you have recently arrived, check that you have registered for health insurance within four months of starting work or study. Premiums rising is a normal part of the system, but it is worth reviewing your policy each year. Use comparison sites or ask your insurer for help in English if Dutch is still a challenge. Also look into whether you qualify for healthcare allowance (zorgtoeslag), which can offset some of the cost for lower incomes. Budgeting for the increase now will help avoid surprises in January.