For all Visas that allow you to stay long term in Germany with the intend to work here as employee, business owner or employee you need public or private health Insurance. If you have a tourist Visa travel health Insurance will be sufficient.
Premiums of your health insurance will increase most likely over time, but not because you get older. Public health insurance will get more expensive because the base and the percentage it´s calculated from will go up. Private health Insurance needs to increase the prices when the costs for all insured persons go up. The last 20 years public was increasing its premiums on average a little higher than private insurances.
It depends highly on your individual situation. Is your partner also working or not? If your children have private Insurance you can calculate round about 180 Euro per child extra. So it depends. We can figure that out together.
Public health insurance covers the same costs than in Germany in most other European countries. Sometimes you don´t get everything reimbursed, so it´s smart to have a top up cover if you travel.
