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By Simone Janson (More) • Last updated on October 10.09.2011, XNUMX • First published on 10.09.2011/XNUMX/XNUMX • So far 5397 readers, 2680 social media shares Likes & Reviews (5 / 5) • Read & write comments
Since readers keep asking me about this topic, I have included the current legal regulations in this small series Health insurance summarized for the self-employed.
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.
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!
You basically have the free one Choice between regional general local health insurance funds (AOK), substitute health insurance funds (e.g. Barmer, DAK, Techniker), company health insurance funds (BKK) and guild health insurance funds (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.
The amount of your monthly contribution depends on your Status, the contribution rate and your Income. In the case of employees and insured persons, the employer pays half of the contribution for members of the artists' social insurance system.
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 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!)
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.
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.
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.
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.
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” (e.g. your Family or your life partner) are in need. Therefore, no member of your benefit community may pay more than 1.916,25 euros per month to earn, an additional allowance of 484 euros is granted for each child.
Income also includes taxable income from capital assets or rental income. However, no one in the family is allowed to claim more than 10.220 euros assets to have.
Even more cheaply, you can insure yourself as an independent self-employed, if you are next to an expatriate or Further Training 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 are also only allowed to work a certain amount of time per week. And if you're a full-time employee, you don't need to change anything until you're gone Money earn as a freelancer. (Previously, the corresponding limit was 18 hours, which has now changed according to a guideline from the National Association of Statutory Health Insurance Funds).
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.
Simone Janson is publisher, Consultant and one of the 10 most important German bloggers Blogger Relevance Index. She is also head of the Institute's job pictures Yourweb, with which she donates money for sustainable projects. According to ZEIT owns her trademarked blog Best of HR – Berufebilder.de® to the most important blogs for careers, professions and the world of work. More about her im Career. All texts by Simone Janson.
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!
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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