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Contributions to Public Health Insurance 2023
Contributions to Public Health Insurance 2023
What employers and employees pay into the system
Once a year, there are changes regarding what employers and employees pay into the “system“. Listed below is a summary of contributions towards health insurance, long term nursing care, unemployment insurance and state pension for members of public insurance from January 2023.
Health insurance
Employees 15.5% of gross income (slight variations depending on the public Fund )
Self employed/ freelancers c. 15.5% of income they pay all themselves…
Long term nursing care / Pflegeversicherung
c.3.05% of gross income
Additional charge for members without children 0.25%
Unemployment insurance
2.5 % of gross income
Compulsory state pension
18.6% of gross income
Employee and employer will share the costs of the health insurance contributions. The other insurance costs are also shared 50 / 50 between the employee and employer.
Income threshold for health insurance
Compulsory public health insurance for employees earning up to € 66,600 p.a. from January 2023. Optional private health insurance for employees earning over this amount. Maximum contributions to public health insurance are based on an income of €4987.50 per month.
Maximum contribution of the employer for private health insurance is € 384,58 a month plus up to 26,06 euros for the so-called Zusatzbeitrag (which varies from Kasse to Kasse ) and € 69.20 for compulsory nursing care.
PUBLIC INSURANCE FOR FAMILIES: spouses and children earning up to € 485 a month can be on the other spouse´s public insurance free of charge…if earnings are higher than that, they have to take out their own insurance. A MINIJOB up to € 320 a month is still exempt from this ruling and the spouse can remain on the other spouse´s public insurance contract
Published
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02/10/2020
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John Gunn
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