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Is health Insurance mandatory in your country?
The 2026 map of where Health Insurance is mandatory or partly required, aired Oct 31, 2026.
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Mandatory in 18 countries
Joining is compulsory. Self-employed pay 12.5% of 40% of income.
No active JKN cover, no driving licence renewal (2025).
No opt-out. Premiums S$200 to S$2,826 a year (2025).
No other cover and not poor? Pay TRY 1,981 a month (2026).
No income? You still pay CZK 3,024 a month (2026).
Self-payers owe at least EUR 121.92 a month (2026).
Not insured another way? NAV bills HUF 12,300 a month (2026).
Every insured adult pays a EUR 39.36 monthly health levy (2026).
Lose your status and you pay about EUR 112 a month yourself.
Not insured another way? Pay EUR 24.81 a month (Aug 2026).
Not insured another way? Pay EUR 80.48 a month (2026).
Every resident must hold basic insurance, as in Switzerland.
Join within 14 days. Missed premiums are billed 2 years back.
Not working? You still pay NIS 123 a month for health (2026).
Required since 2009. Join late and you owe back premiums.
No opt-out. Average premium: CHF 393 a month in 2026.
1.68 million property seizures over unpaid premiums in 2025.
No policy? EUR 528 fine, twice. Then the state signs you up.
Everywhere not listed here, Health Insurance is not required.
Partly mandatory in 66 countries
Compulsory for workers and pensioners; others may opt in.
Basic cover is automatic. Employees must join the work top-up plan.
You must join a health fund, but no fine for skipping it was found.
Compulsory for workers and pensioners; others may opt in.
Compulsory for workers; others can buy in voluntarily.
Compulsory on wages and most incomes; no income, no duty.
Cover comes through work; everyone else may opt in.
Workers pay health contributions; uninsured get free public care.
Everyone with income pays into GeSY; nothing extra to buy.
Called compulsory, but employers and regions pay. No personal fine.
Workers pay via payroll; self-employed must buy a 12,636-lei policy.
Workers pay compulsory health contributions; others may opt in.
Workers pay compulsory health contributions; others may opt in.
Workers pay compulsory health contributions.
Workers pay compulsory health contributions.
Workers pay compulsory health contributions.
Workers and the self-employed must pay into the CASS.
Employees are insured through the CCSS; others are not required.
Workers pay 2% of wages; the state covers non-workers.
Workers pay 2%. Others: KZT 4,250 a month or a basic package only.
Workers are insured via payroll; others may buy a policy.
Mandatory in law, but only 1 in 4 herders was insured (2020).
Compulsory for employees. Others pay CNY 400 a year or wait 3 months.
Compulsory for workers and students; 95.2% covered in 2025.
Employees must join the NSSF health scheme.
Employees must join Social Security; others get tax-funded care.
Everyone is enrolled. Earners pay 5%; unpaid bills never block care.
Only lower-paid workers (up to Rs 21,000 a month) must join ESI.
Formal-sector workers must join; families enrol voluntarily.
Employees must join Social Security; others get free Salamat cover.
Only state staff and foreigners so far. 2.5 million covered (2025).
Private employers must insure all staff, Saudi and foreign.
Private-sector workers in all 7 emirates since 2025: AED 320 a year.
Private-sector employees must join the NSSF.
Mandatory only in 6 of 27 governorates so far.
Compulsory for workers; non-workers who can pay may opt in.
Compulsory for workers via the CNAS; public care is free.
Workers and pensioners are insured through the CNAM by law.
Mandatory in law since 2022, but under 10% are covered.
Mandatory in law; 56% were active members in 2025.
Everyone must register; salaried pay 2.75%. Informal workers lag.
Mandatory in law; the scheme only started in Jan 2026.
Compulsory in law; proof needed for some exams and licences.
Private employers must enrol staff in an IPM health fund.
Compulsory for civil servants and formal-sector employees.
Compulsory for employees; the poor are covered by the state.
Formal workers pay 1% plus 1% from employers into NHIMA.
88% covered. From Jul 2026: RWF 4,000 to 20,000 a year.
Employees are insured through the INPS by law.
Formal workers must be in IMSS; fewer than half of workers are.
Formal employees must contribute to the IGSS.
Formal employees must be enrolled in the ISSS.
Formal employees must be enrolled in the IHSS.
Formal employees must be insured with the INSS.
Workers, incl. the self-employed, must pay into the CCSS.
Employees are compulsorily insured with the CSS.
Employees must join the family health insurance (SFS).
Employees are compulsorily insured with the IVSS.
Employees must be affiliated to the IESS from day one.
Employees must be in EsSalud; the uninsured go into SIS for free.
Workers must join the CNS; others get free SUS care.
Employees are compulsorily insured with the IPS.
Formal workers must contribute to FONASA.
Employees must pay into an obra social; public hospitals are free.
Every worker pays 7% to FONASA or an Isapre; no income is free.
Mandatory for everyone in law since 2014, but not enforced.
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