Private health insurance premiums are set to rise by an average of 13 percent in early 2026, prompting many insured individuals to seek cost-saving solutions. While switching to statutory health insurance is often not feasible, particularly for those over 55 or those who would face worse benefits, a viable alternative exists: changing tariffs within one's current private health insurance provider. This option, enabled by legislation from 2009, allows individuals to retain their accumulated age reserves and avoid new health assessments. The strategy leverages the fact that insurance companies often introduce new, more attractively priced tariffs that attract younger, healthier policyholders, leaving older tariffs with escalating costs. A DKV customer, for instance, achieved a 45 percent reduction in their monthly premium by switching to a comparable tariff. Specialized service providers can assist in navigating the complex comparison of tariffs and facilitating the switch, often charging a portion of the savings achieved.