# Health insurance premium rises almost €15 a month in 2027

> The average premium for basic health insurance goes up by €14.83 to about €173 a month, comparison site Zorgwijzer's figures show, and people can switch insurer until 31 December.

Economy · published 2026-11-15 21:30 · https://nlnow.nl/a/health-insurance-premium-rises-almost-15-a-month-in-2027/

The average premium for basic health insurance (basisverzekering) rises by €14.83 a month in 2027, to about €173, according to figures from comparison site Zorgwijzer. Insurers are softening the increase with money from their reserves.

**Why it matters**

- The gap between the cheapest and most expensive basic policy grows to €649 a year in 2027, the biggest ever, up from €511 in 2026, Zorgwijzer's figures show.
- People can switch health insurer up to and including 31 December 2026.

According to Zorgwijzer, Achmea, the parent company of Zilveren Kruis, is using about €400m of its reserves to limit the rise. Menzis is using €116m and CZ €20m.

The gap between the cheapest and the most expensive basic policy grows to €649 a year in 2027, the biggest ever, Zorgwijzer's figures show. In 2026 the gap was €511.

**Achmea sets aside the most reserves to soften the rise** (€m; source: Zorgwijzer)

- Achmea: 400
- Menzis: 116
- CZ: 20

Health insurance prices in the consumer price index were 2.2% higher in October 2026 than a year earlier, CBS figures show. Consumer prices overall rose 3.7%. The health insurance figure stood at 5.4% throughout 2025 and at 7.1% in November and December 2024.

When someone switches health insurer, the new insurer cancels the old policy, so they do not have to do it themselves.

## Background

- **CBS (Centraal Bureau voor de Statistiek)**: Statistics Netherlands, the independent government body that produces the official statistics on the Dutch economy and society.
- **basisverzekering**: The basic health insurance (basisverzekering) is the standard health insurance package in the Netherlands, set out in the Health Insurance Act (Zorgverzekeringswet). Everyone living in the Netherlands aged 18 or over must take out a policy, and insurers must accept every applicant for it. Each insurer sets its own premium, so the monthly cost differs between providers and can change every year.
- **Achmea**: Achmea is a Dutch insurance group and the parent company of the health insurer Zilveren Kruis. It also owns other insurers in the Dutch market, so decisions taken at group level can affect the premiums of several health insurance brands at once.

From NLnow, news from the Netherlands in English. How stories are made: https://nlnow.nl/about/