From 01.01.In 2018, new rules will apply to self-employed persons who are voluntarily insured under the statutory health insurance scheme. These mainly concern the amount of the contributions and the basis of calculation. Find out who is affected and how the changes will affect you here.
Until now, contributions for self-employed persons with voluntary statutory health insurance were calculated on the basis of last year’s income. However, this will change as of 2018. In future, contributions will be calculated on the basis of the current income situation. This means that contributions may rise more quickly as income increases. Contributions are no longer adjusted retroactively, but are due immediately.
Self-employed persons with voluntary statutory health insurance should therefore urgently check whether they are affected by the new rules and whether it is worth switching to private health insurance. A comparison of the offers of different health insurances can help here.
To continue to be well covered, you should find out about the new rules in good time and take action if necessary. Use our information and tips to make the right decision for you.
Who is affected by the new rules?
As of 1. January 2018, there are new rules for self-employed persons who are voluntarily insured under the statutory health insurance scheme. But who exactly is affected by these changes?
First of all, all self-employed persons who are voluntarily insured in the statutory health insurance are affected by the new rules of the game. This also applies to those who were already insured before 1. January 2018 were voluntarily insured.
Furthermore, there are special regulations for self-employed persons who have a low income. These may be exempt from the obligation to pay contributions under certain circumstances. This requires an application to the health insurance fund.
If you have questions about the new rules and whether you are personally affected by them, it is advisable to ask your own health insurance company directly. This can provide information on an individual basis and offer further support if required.
- Conclusion: the new rules of the game from 1. January 2018 affect all self-employed persons who are voluntarily insured under the statutory health insurance scheme. There are special regulations for self-employed persons with low incomes.
The new regulations for self-employed persons with voluntary statutory health insurance from 01.01.2018
From 1. January 2018, new rules apply to self-employed persons who are voluntarily insured under the statutory health insurance scheme. The changes mainly affect the calculation of health insurance contributions and the notification of changes in income.
The salary of self-employed persons will be calculated differently from 2018 onwards. Instead of being based on profit as before, capital income and rental income will also be included in the calculation in the future. For some self-employed people, this may mean that they will have to pay higher health insurance contributions in the future.
Furthermore, starting in 2018, self-employed individuals will have to report any change in income of more than 10 percent compared to the previous year to the health insurance company within four weeks and pay the new contribution. Those who fail to do so will face back payments and late payment penalties.
It is recommended that self-employed persons inform themselves about the new regulations at an early stage in order to avoid possible unpleasant surprises. The changes may have different effects depending on the individual situation.
The impact of the new rules of the game on self-employed people who are voluntarily covered by statutory health insurance
From 01.01.In 2018, new rules of the game will come into effect for self-employed people who have voluntary statutory health insurance. These changes will have an impact on those affected in several ways.
The most important effects concern the contributions that self-employed persons with voluntary statutory health insurance will have to pay. From 01.01.In 2018, these premiums are calculated based on income. This means that self-employed people with a lower income will have to pay less than before. However, higher contributions are also expected for self-employed persons with a higher income. This change will therefore have a different financial impact on those affected.
In addition, new rules will also apply to self-employed people who are on family insurance plans. From 01.01.In 2018, self-employed family members will have to disclose their income to verify whether they are eligible to remain on the family insurance plan. This could pose a challenge for some affected individuals, especially if they have not previously had to disclose all income.
- Bottom line: the new rules of the game for self-employed individuals who are voluntarily covered by statutory health insurance will have different implications for those who are affected. In particular, contribution payments will change depending on income, while additional regulations will apply to self-employed persons in family insurance schemes.