Hi ivettes, osita is right. You only have till the end of the year to switch. There are some cheaper insurances aimed at young people, esp students. But as osita says it really is for people who never really go to the doctor. Check out these articles: This one is about the insurance for young people: http://www.recommenda.nl/2011/12/12/special-deals-on-cheaper-medical-insurance-for-students-in-the-netherlands/ And this one is about insurance here in general: http://www.recommenda.nl/2011/11/27/annual-end-of-year-opportunity-to-switch-medical-health-insurance-providers/ Have you checked with your employer to see if they have collective insurance? Good luck making the choice. I just switched to OHRA actually but that's because my company has a program with them