Public Health Insurance for Freelancers and Self-Employed

What does it cost?

What does it cost?


Contributions are based on income-eg income from work, pensions, supply income, rented property, interest on investments and bank accounts and alimony payments.


German law assumes self-employed and freelancers earn at least €3,937.50 per month! Your payment is 14.9% of your gross income.


  • Is your income actually lower than this? If so, a public health insurer will want proof (for example, statement from a tax advisor or from the tax authorities in your home country).

  • The public health insurer will then check whether payments can be based on an income of €2,021.25 per month, the so called minimum income limit (Mindesteinnahmegrenze ) under German law.

  • Are you setting up a small business with help from the State (Existenzgründer/in)? Then payments are based on your “real“income - at least €1,277.50 per month!

Important to know:


Payment into the public system can go up or down!

  • Higher contributions will ensue if your income in the past was high even if current income is low.

  • Lower contributions will ensue if your income in the past was low even if current income is high.

Tip:


Always update your public health insurer with your current tax assessment to avoid extra back payments. Otherwise, your payments will be based on an income of €3,937.50 per month. If your income has fallen, your contribution will also fall in the month your tax assessment has been received by the insurer.


FULL DETAILS 2013


Monthly health insurance payment for freelancers and self-employed

 Without proof of income or with an income over €3,937.50  €586.69
 With proof of income up to €3,937.50  min. €301.17 max.  €586.69
 Monthly payments for freelancer and self-employed including sick benefit ( Krankengeld )
 Without proof of income or with an income over €3,937.50  €610.31
 With proof of income up to  €3,937.50  min. €313.33 max. €610.31


Monthly payments for long-term nursing care (Pflegeversicherung)

 Without proof of income or with an income over €3,937.50  €80.72
 With proof of income up to €3,937.50  min . €41.44 max. €80.72


Monthly payments for long-term nursing care for childless freelancers over 23 years old

 Without proof of income or with an income over € 3,937.50  €90.56
 With proof of income up to €3,937.50  min.  €46.49 max.  €90.56



Contact us today for more information