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In 2024, the biggest health insurance group in the Netherlands, Achmea, grew its market share, whereas its two closest competitors - VGZ and CZ - both relinquished one percent of the market. Insurance groups are known as "concerns" in the Netherlands. Note that this wording of concern matters a lot for Dutch healthcare. In the Netherlands, there are ** large healthcare insurance concerns, each with multiple companies. The concern Achmea, for example, owns the following companies (commonly referred to as zorgverzekeraars: Agis Zorgverzekeringen, Avero Achmea Zorgverzekering, FBTO, Groene Land Interpolis Zorgverzekeringen, OZF Zorgverzekeringen, De Friesland, and Zilveren Kruis Zorgverzekeringen). In addition, some of these companies also own multiple health insurance brands or labels. To stick to the example of Achmea, this concern owned six companies but also the labels of ZieZo and Pro Life, which belong to Zilveren Kruis. In total, the ** concerns were responsible for a total of ** companies or health insurance brands.

How common is switching health insurance provider in the Netherlands?

It is allowed in the Netherlands to cancel one's basic health insurance and change insurance companies every year until the **** of December. When individuals end their contract before the end of December, their contract will end as of January ***. They can then choose a new health insurance company before February ***. In 2023/24, the share of individuals who switched health insurance companies exceeded a value of approximately percent.