Dual US/German citizen - health insurance retirement question - Page 2

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Dual US/German citizen - health insurance retirement question - Page 2


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  #11 (permalink)  
Old 30th July 2019, 03:20 AM
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Originally Posted by Rixlari View Post
Thank you all for all this information. I shall try to digest it all. At this point, I'm trying to do research and get all the information I can to guide us toward the right destination for retirement. And we so appreciate the information we're getting! Once we have a better sense, we'll explore the country at bit more and start learning the language. Hopefully within 4-5 years we can move with the confidence there won't be TOO many surprises! However, we understand nothing in life is guaranteed so it's become clear to us that no matter where we go, we should have several backup options if things don't go according to plan, including moving back to the US to a cheaper area than Los Angeles.

One question to kaju. You said:



I grew up in the United States. When you say "country you grew up in" did you mean the country where I may move first and qualify for public health, such as France? I am self-employed in the U.S. and was considering continuing to be self-employed for a while when moving to Europe!

Thanks!
My understanding is that if you were self-employed in the most recent non-EU country before going directly to Germany, that they can require that you get private health cover - but this is one of those things that you need to check with a versicherungsberator (an insurance broker or advisor). Of course, this problem (if indeed it is a problem) would only affect you if you went direct to Germany from the US and applied for public health cover - apart from this possible issue, you should be entitled to get it.

But even if this was not an issue, your husband still needs to be covered of course, so you're probably looking at needing to be in another EU country's public health system for at least 12 months anyway so that you can both transfer into the German Public Health system.

Transferring from an EU country's public health system to the German one is done on the basis that "you had public cover there, so we'll give you public cover here" - so going this way means your self-employed history in the US is not relevant in this situation - what matters then, from Germany's point of view, is that you are both coming from another EU country's public health system.

Unless you go directly to Germany from the US and join a German public health fund and your husband's income is less than about 400E a month (and even then you'd need to get past your self-employed history and join German public cover as a German, with him as your dependent), the transfer from another EU country's public system to the German public system is likely the only way you will both get cover in the German public system.

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  #12 (permalink)  
Old 1st August 2019, 05:38 AM
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Thanks so much for all the helpful and very specific information. It appears to me that, because of my German citizenship, Germany would be the most difficult place us to go to retire! That wasn't what I was expecting when I first started my research. But now I see that German immigration laws would apply to me and my spouse whereas EU laws allow me to take advantage of more favorable rules in other countries. I'm leaning toward France. But I won't be far from Germany and will plan on crossing over to visit my father's birthplace of Bad Durkheim when I have the chance. Danke schön!

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