Being older than 55 is the big one. Those making very little money can join a family insurance of their significant other. Or find a loophole, like getting into

Being older than 55 is the big one. Those making very little money can join a family insurance of their significant other. Or find a loophole, like getting into the public system of another country, then moving back. For those younger, it seems to be mostly about not earning a lot. Here the limits are even smaller for those already private in 2002.