Calculate health insurance contribution for pensioners

There is a distinction between the health insurance contributions for pensioners. For pensioners who were compulsorily insured during their professional life, not all types of purchase are used to calculate the health insurance contribution. Pensioners who were voluntarily insured in the substitute fund must, however, pay the health insurance contribution for all types of purchase, up to the contribution assessment limit.

 Determine the health insurance contribution for compulsorily insured pensioners

• The first reference value for calculating the health insurance contribution is of course the pension from the statutory pension insurance.
• The pensioner pays half of the contribution to his pension, the other half is covered by the pension insurer. The pension recipient pays the full contribution to the statutory long-term care insurance.
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• If the formerly compulsorily insured pensioner draws a company pension, he must pay the full contribution rate of the health insurance contribution and the compulsory long-term care insurance himself.
• Income from self-employment is also covered by health insurance contributions.


Pension and income threshold - you should know that

Not only employees, but also those who receive a pension must make contributions to the ...

Calculate the reference value for voluntarily insured persons in retirement

• As in the case of the formerly compulsorily insured pensioner, the statutory pension is also chosen as the first reference value for those whose income was above the contribution assessment limit.
• In addition to the statutory pension insurance and the company pension, all other types of income are also used to calculate the health insurance contribution for the pensioner. These include rental income, self-employment, investment income from securities, interest income from loans granted.
• The Riester pension is particularly disadvantageous for those who are voluntarily insured. During the savings phase, the contributions were paid out of the net income adjusted for social security contributions. The pension benefit is also back with the contributions to Health insurance and compulsory long-term care insurance.

The free family insurance also applies to a pensioner. If you want to calculate your health insurance contribution, you do not have to calculate an additional contribution separately for your spouse who has not been employed in the past.