What is the contribution in voluntary health insurance?
Whether employed or not, it is decided how the contribution is calculated for a voluntarily insured person. Basically, it amounts to 14.6 percent plus additional contribution of the respective health insurance and plus the contribution to the statutory long-term care insurance. It is never used more than the so-called contribution assessment limit for the calculation. This is 2019 at 4,537.50 euros a month. Above the income threshold, the income is non-contributory.
How many voluntarily insured persons have to pay at the most
Voluntarily insured employees usually pay the maximum contribution of around € 662 per month for health insurance. The employer takes over half of this. The additional contribution is still on top. Since 1 January 2019 employers and employees have also shared equally.
In contrast to employees, self-employed people, freelancers and other people not subject to social security contributions are not only the basis for calculating their contributions. In addition, other income is also included up to the income threshold, such as income from capital assets or rental and leasing.
This is either due to the general contribution rate of 14.6 percent or a reduced contribution rate of 14 percent. In addition there is the additional contribution of the respective health insurance. With the reduced rate you refrain in the event of illness to receive sick pay. Accordingly, the maximum contribution for self-employed persons and others who are voluntarily insured, amounts to about € 646 per month plus additional contribution. However, self-employed have to do their part alone.
How many voluntarily insured people have to pay at least
If you show less income, you pay less. There is, however, a lower limit. If your actual income is lower than this lower limit, a notional minimum income will be used to calculate your health insurance contribution.
The minimum income is usually relevant for those who earn little or nothing. This is the case, for example, with students who no longer meet the requirements for student health insurance.
For 2019, the minimum assessment base for voluntary insured in the GKV is 1,038 euros. If your actual income is lower, you classify the health insurance as if you would earn 1,038 euros per month. This results in a contribution rate of 14 percent without sick pay claim a monthly contribution of around 145 €. In addition there is the additional contribution of the respective cash register.
In the past year, the federal government passed a law that relieves the self-employed with low incomes. For them, the same minimum income threshold applies as for the other voluntarily insured persons. This means self-employed pay at least 145 euros a month for the health insurance, if they waive a sick pay claim – instead of previously 320 euros. On top of that comes the additional contribution of 0.9 percent on average, ie once again about 10 euros per month.
If you earn less than the notional minimum, you should apply to your health insurance company for a premium adjustment. If your income justifies a lower contribution, the fund may grant you a reduction. To calculate this, the fund also uses your partner’s income from a marriage, marriage or civil partnership. Especially for business start-ups, two-thirds of the regular contribution is regularly applied.