Unemployed and pay for health insurance yourself
Those who become unemployed often do not know whether they will have to pay the health insurance costs themselves or whether these will be borne by the job center. There are a few differences here. The decisive factor is whether you have private insurance or whether you have statutory health insurance. Find out more about the subject.
There are different rules as to whether you have to pay for health insurance yourself if you are unemployed or whether the job center bears these costs.
When you are unemployed and have to pay for health insurance yourself
- If you become unemployed and have private health insurance, you have to pay the costs for private health insurance yourself. Here the job center does not enter into your obligation to pay.
- However, you should know that if you are unemployed, you can apply to the employment agency for a subsidy for health insurance contributions. To do this, contact your responsible clerk. The approval is at the discretion of the clerk, he decides whether you have to continue to pay.
- If you are not granted a subsidy, you should switch to compulsory statutory insurance.
- If you do not want to change, you will be asked to change to the basic rate of private health insurance as soon as you have been unemployed for more than a year. If you do this, you can apply for the ARGE to assume the costs. However, if you refuse and stay with private health insurance, you will have to pay the costs yourself.
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The job center will assume the costs of health insurance
- Are you entitled to unemployment benefit, for example because you have been given notice, and are you eligible? statutory health insurance, the job center of your health insurance pays completely. You don't have to pay anything for the health insurance yourself.
- Anyone who has been in the statutory health insurance does not experience any change as a result of the fact that they become unemployed.
- If the blocking period applies to you before you can register as unemployed, you, as a compulsorily insured person, will be covered by additional insurance in the first month. As soon as the second month begins, the job center pays your health insurance contributions, so you don't have to pay yourself. You should know that compulsory health insurance will start for you from the second month onwards.
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