How Much Does Health Insurance Cost in Italy?
The average annual premium cost for international health insurance in 2024 in Italy was USD $4,620 for individuals and USD $12,798 for families. This proprietary data was collected from actual Pacific Prime expat customers who purchased international health insurance.
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Are you looking to secure private international health insurance before moving to Italy but are unsure how much it should cost? Do you want to make sure you aren’t overcharged for your health insurance? This article outlines all the data you need to make an informed decision.
In this article you can check out our privately collected statistics on health insurance premiums over the years to get accurate facts that will help you plan for the cost of your individual or family plan. Plus, we’ll compare Italy’s costs to the rest of Europe and give tips on how to save money.
Once you’re done reading, head to our guide on the best expat international health insurance in Italy to compare top plans and learn more about Italy’s healthcare system.
Cost of Health Insurance in Italy for Individuals
The average cost of international health insurance for individuals moving to Italy was USD $4,620 (or about EUR 3,924) in 2024, according to proprietary data collected from expat customers of Pacific Prime. Costs can vary greatly depending on age, health history, and coverage preferences.
Inflation has caused an increase in the overall cost for individual international health insurance plans over a five-year span. Costs being as low as USD $3,781 in 2019 (about EUR 3,212) and even lower in 2020, at USD $3,737 (about EUR 3,174).
Take a look at the table below to see how the cost of insurance has changed for expats in Italy:
Italy’s Annual Premiums for Individual Health Insurance |
|
| Year | Average Annual Premium (USD/EUR) |
| 2024 | $4,620 (about EUR 3,924.83) |
| 2023 | $4,512 (about EUR 3,833.08) |
| 2021 | $3,949 (about EUR 3,354.79) |
| 2020 | $3,737 (about EUR 3,174.69) |
| 2019 | $3,781 (about EUR 3,212.07) |
Cost of Health Insurance in Italy for Families
Family international health insurance plans are obviously more costly than individual plans, with average annual premiums for expats in Italy reaching USD $12,798 (about EUR 10,924) in 2024. This average comes from proprietary data gathered from Pacific Prime’s customers.
We’ve outlined the inflation costs of international family health insurance plans since 2019 below:
Italy’s Annual Premiums for Family Health Insurance |
|
| Year | Average Annual Premium (USD/EUR) |
| 2024 | $12,798 (about EUR 10,924.18) |
| 2023 | $11,594 (about EUR 9,896.46) |
| 2022 | $12,503 (about EUR 10,621.67) |
| 2021 | $10,700 (about EUR 9,089.97) |
| 2021 | $10,700 (about EUR 9,089.97) |
| 2020 | $10,294 (about EUR 8,745.06) |
| 2019 | $11,164 (about EUR 9,484.15) |
Italy’s Cost of Health Insurance Compared to Europe
Italy’s cost of individual international health insurance ranks near the middle of other European countries’ insurance costs. The UK takes the most expensive slot, averaging USD $5,770 (about EUR 4,926) per year, and Poland claims the least expensive cost at USD $3,900 (about EUR 3,329) per year.
We’ve input our data from real customer costs to help you compare the average individual premiums across Europe in 2024:
A Comparison of Italy’s Individual Insurance Costs to Europe Costs |
|
| Country | 2024 Average Annual Premium (USD/ EUR) |
| Italy | $4,620 (about EUR 3,944.50) |
| UK | $5,770 (about EUR 4,926.36) |
| Switzerland | $5,532 (about EUR 4,723.16) |
| Portugal | $4,638 (about EUR 3,959.87) |
| Greece | $4,859 (about EUR 4,148.56) |
| Russia | $4,849 (about EUR 4,140.02) |
| Ireland | $4,697 (about EUR 4,010.25) |
| Spain | $5,193 (about EUR 4,411.61) |
| Austria | $4,462 (about EUR 3,809.61) |
| Finland | $4,391 (about EUR 3,748.99) |
| Ukraine | $4,316 (about EUR 3,684.95) |
| Germany | $4,307 (about EUR 3,677.27) |
| Bulgaria | $4,264 (about EUR 3,640.55) |
| Serbia | $4,264 (about EUR 3,640.55) |
| Sweden | $4,261 (about EUR 3,637.99) |
| France | $4,213 (about EUR 3,597.01) |
| Denmark | $4,202 (about EUR 3,587.62) |
| Norway | $4,170 (about EUR 3,560.30) |
| Hungary | $4,143 (about EUR 3,537.25) |
| Czech Republic | $4,141 (about EUR 3,535.54) |
| Romania | $4,074 (about EUR 3,478.34) |
| Croatia | $4,074 (about EUR 3,478.34) |
| Slovakia | $4,074 (about EUR 3,478.34) |
| Netherlands | $4,071 (about EUR 3,475.77) |
| Poland | $3,900 (about EUR 3,329.78) |
Average family insurance costs in Italy also sit near the middle of other European countries’ costs. The UK tops the charts at about USD $15,936 (about EUR 13,602), while Poland still enjoys the cheapest prices at about USD $10,710 (about EUR 9,141).
We’ve input our data from Pacific Prime expat customers who moved to Europe and purchased family international health insurance plans in 2024. You can look at the costs below to compare the average individual premiums across Europe in 2024:
A Comparison of Italy’s Family Insurance Costs to Europe Costs |
|
| Country | 2024 Average Annual Premium (USD/EUR) |
| Italy | $12,798 (about EUR 10,924.18) |
| Switzerland | $15,359 (about EUR 13,110.21) |
| UK | $15,936 (about EUR 13,602.73) |
| Portugal | $12,828 (about EUR 10,949.79) |
| Greece | $13,487 (about EUR 11,512.30) |
| Russia | $13,260 (about EUR 11,318.54) |
| Ireland | $12,970 (about EUR 11,071.00) |
| Spain | $14,417 (about EUR 12,306.13 ) |
| Austria | $12,300 (about EUR 10,499.10) |
| Finland | $12,106 (about EUR 10,333.50) |
| Germany | $11,859 (about EUR 10,122.66) |
| Ukraine | $11,779 (about EUR 10,054.38) |
| France | $11,597 (about EUR 9,899.03 ) |
| Serbia | $11,742 (about EUR 10,022.80) |
| Bulgaria | $11,742 (about EUR 10,022.80) |
| Sweden | $11,731 (about EUR 10,013.41) |
| Hungary | $11,412 (about EUR 9,741.11) |
| Denmark | $11,582 (about EUR 9,886.22) |
| Czech Republic | $11,399 (about EUR 9,730.02) |
| Norway | $11,486 (about EUR 9,804.28) |
| Netherlands | $11,196 (about EUR 9,556.74) |
| Romania | $11,217 (about EUR 9,574.66) |
| Croatia | $11,217 (about 9,574.66) |
| Slovakia | $11,217 (about EUR 9,574.66) |
| Poland | $10,710 (about EUR 9,141.90) |
Tips to Help Expats Save Money on Insurance in Italy
Expats moving to Italy who want to save on premiums should consider how copays, deductibles, and annual maximums affect their overall costs. Expats should also apply as soon as possible, consider their health history and lifestyle, and verify if they qualify for public insurance coverage.
How Copays, Deductibles, and Annual Maximums Affect Premium Costs
Don’t just choose the cheapest plan available if it doesn’t suit your medical needs. Look over copays, deductibles, and annual maximums, along with your premium.
- Copays and Deductibles: Expats who want comprehensive international coverage but who are generally healthy can choose a plan with a higher copay or deductible. Copays can lower premiums by increasing the percentage expats pay for treatment. Similarly, a higher deductible results in a lower premium.
- Annual Maximums: Choosing a lower maximum level of coverage for certain benefits can significantly lower the plan’s premium.
Other Key Considerations for Lowering Premium Costs
Expats who carefully evaluate their lifestyle can strategically lower the cost of international health insurance premiums.
- Apply Early: Generally, younger individuals can get coverage at a more reasonable price than older individuals. Lock into a plan as quickly as possible to enjoy the benefits.
- Consider Health History: Consider whether you have pre-existing conditions or a family history of diseases that need coverage beyond basic care. Some plans exclude pre-existing conditions, require a waiting period, or only cover them at a higher premium.
- Choose Regional Plans: Expats who don’t plan to travel extensively or who only plan to visit certain regions may be able to exclude certain areas from coverage and thus lower their premium.
- Check for Public Insurance Coverage: Most expats will need private insurance coverage to receive their visas to Italy, but they may eventually qualify for Italy’s free or subsidized universal healthcare, the Servizio Sanitario Nazionale (SSN).
Frequently Asked Questions
What kind of health insurance do I need for Italy?
Most expats applying for a long-term visa to Italy are required to purchase private health insurance that meets Italy’s standards in order to get visa approval. International health insurance usually meets these mandates, though local private plans in Italy are also an option.
Can expats get healthcare in Italy?
Those living permanently in Italy receive free or subsidized healthcare. To qualify for public healthcare in Italy, expats must visit their nearest Azienda Sanitaria Locale (ASL) office and register with the SSN. Before that, expats should rely on private insurance coverage to receive care in Italy.
What is the best health insurance for people living abroad in Italy?
International health insurance is recommended and preferred for expats. It provides customizable, flexible, and portable coverage designed for the needs of individuals living abroad.
Conclusion
Both individual expat as well as those moving to Italy with a family should now have a good idea of the cost of international health insurance, how inflation may affect costs, and how costs for those living in Italy compare to those for expats moving to other countries in Europe.
If you would like help comparing quotes and choosing a personalized plan, contact our expert brokers. They can fill you in about Italy’s healthcare system, help you secure a plan that fits your lifestyle, and even take care of administrative tasks after you’ve purchased your plan.
Pacific Prime has over 25 years of experience as an international health insurance brokerage helping well over a million global citizens find and secure bespoke, portable medical coverage across the globe, including in Italy.
Give us a call at +1-800-868-1451. If you’re looking for other information to prepare for your move to Italy or you’re considering other locations abroad, look through our articles:
- Top Health Insurance Providers for Expats in Italy
- 20 Best Places to Live in Italy for Expats and Digital Nomads
- How Much Does Health Insurance Cost in France?
- How Much Does Health Insurance Cost in Germany?
Serena earned her Bachelor’s Degree in Psychology from the University of British Columbia, Canada. As such, she is an avid advocate of mental health and is fascinated by all things psychology (especially if it’s cognitive psychology!).
Her previous work experience includes teaching toddlers to read, writing for a travel/wellness online magazine, and then a business news blog. These combined experiences give her the skills and insights she needs to explain complex ideas in a succinct way. Being the daughter of an immigrant and a traveler herself, she is passionate about educating expats and digital nomads on travel and international health insurance.
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