The statutory health insurance for self-employed: status and contributions



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Since I am always asked by readers on this subject, I have summarized in this small series again the current regulations on the statutory health insurance for the self-employed.

The statutory health insurance for self-employed: status and contributions The statutory health insurance for self-employed: status and contributions

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Important NOTE

This entry contains content and information that may be out of date, eg due to legal or statistical changes. Because it can still be helpful to get an overview of the topic, you can still find it here.

previous insurance

Overview

You can only enter the statutory health insurance if you meet the pre-insurance period. This means that you have been legally insured for at least 24 months before the start of your self-employment for at least 12 months or for the last five years. And you must not be older than 55 years.

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This so-called pre-insurance period includes, in addition to working conditions, periods in which you were compulsorily insured through the employment agency, the student health insurance or the family insurance of the parents.

To do this, you must apply for voluntary long-term insurance but at the latest three months after the end of your insurance. Do not miss this deadline!

Free cashier option

Overview

Basically, you have the free choice between regional general local health insurance funds (AOK), alternative health insurance funds (such as Barmer, DAK, technicians), company health insurance funds (BKK) and guild health insurance companies (IKK).

A change in the statutory health insurance is actually possible at any time with a notice period of two months. But if you have just changed to a new fund, you have to wait another 18 months with another change.

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Posts

Overview

The amount of your monthly contribution depends on your status, contribution rate and income. In the case of employees and insured persons, the employer assumes half of the contribution for members of the social insurance scheme.

The amount of your monthly contribution depends on your status, contribution rate and income. In the case of employees and insured persons, the employer assumes half of the contribution for members of the social insurance scheme.

contribution rates

Overview

The contribution rates for all statutory health insurance funds are stipulated by law. The contribution rate is currently 15,5%. In addition, there is a reduced rate of 14,9% for all insured persons who are not entitled to health insurance.

These also include self-employed persons. This includes a contribution premium of 0,9 percent, which is payable by all insured persons alone. (The rest of the contribution is paid by only half of normal employees as well as insured persons of the social welfare fund, so that they are only 8,2 per cent of the income!)

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additional contribution

Overview

In addition to this single unit contribution, cash funds which are not able to cope with the allocations from the health fund are allowed to make an additional contribution. All insured persons must also pay this sum on their own. It is not higher than one percent of the insurable income and may not exceed 8 Euro without an income test.

If you get unemployment benefit II, you do not have to pay this supplementary contribution. Health insurance funds may reimburse their members' contributions if they generate surpluses. As an insured, you can also choose between different option rates with differing contribution rates.

Calculation of contributions by income

Overview

Unlike in the case of employees, the amount of contributions paid by self-employed persons is not calculated according to the actual income, but there is a so-called decisive (minimum) income. This can make legal health insurance for low-income earners quite expensive.

Example

Overview

Mr. B. earns about 1.800 Euro on average per month. However, as in the case of all self-employed persons, health insurance initially assumes at least 3.712 Euro per month, which would result in a fixed monthly contribution of around 14,9 Euro at the average contribution rate of 553,09 per cent.

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However, Mr. B. informs the health insurance company that he earns less and submits this annually by tax assessment. Now his health insurance contributions are calculated according to a relevant income of 1.916,25 Euro per month. For a contribution rate of 14,9 per cent, Mr. B. therefore pays monthly about 285,52 Euro health insurance.

Reduced contributions

Overview

It is even more favorable - if certain conditions are met. For example, you can get a reduced rate as a self-employed person. The contribution is calculated according to a relevant income of 1.277,50 Euro per month - with a contribution rate of 14,9 per cent, 190,34 Euro would be payable.

However, this reduced contribution is only possible if not only you, yourself, but also your "need community" (such as your family or your life partner) are in need. Therefore, no member of your need community may earn more than 1.916,25 Euro per month, in addition, an allowance of 484 Euro will be granted for each child.

Income also includes taxable income from capital assets or rental income. However, nobody in the family can have more than 10.220 Euro in assets.

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Part-time self-employed

Overview

Even more cheaply, you can insure yourself as an independent self-employed, if you are next to an expatriate or Further education or parenting less than 20 hours per week are self-employed. If you are a full-time housewife or student, you can even stay in family or student health insurance, provided certain income and age limits are not exceeded.

As a student, you can only work for a specific time per week. And if you are a full-time employee, you do not need to change anything as long as you do not earn more money as a self-employed. (So ​​far the corresponding limit for 18 hours, which has changed according to a guideline of the GKV-Spitzenverband Bund now).

Do you earn more than the rated value?

Overview

If you earn more than the respective assessment value but less than 3.712,50 Euro, the contribution is calculated according to your real income.

However, every reduction under the regular contribution of 553,16 Euro per month must be applied for at the cash desk and is normally granted only from the day on which the corresponding proofs (eg income tax assessment) are received at the cash office.

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  1. Randal Rolfs

    It has always been very difficult to find appreciative work with a handicap. Nowadays it gets more and more complicated. So I am glad that there is your blog. Thanks for that!

  2. JS

    Equalizing the contribution calculation of employees and self-employed persons in the GKV!

    https://secure.avaaz.org/de/petition/Bundesgesundheitsminister_Hermann_Groehe_Gleichberechtigung_der_Beitragsberechnung_in_der_GKV/edit/

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    The statutory health insurance for self-employed: Part 2 - What are the contributions ?: The ...

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