The continuously increasing contributions to health insurance burden many insured persons financially. However, there are various strategies to reduce costs, both for members of statutory health insurance (GKV) and for privately insured persons (PKV).
Change of health insurance
An effective approach to reducing the contributions in the SHI is the change to a health insurance company with a lower additional contribution. The additional contributions vary between the health insurers and can make a significant difference in the monthly burden. If the additional contribution is increased, insured persons have a special right of termination and can switch to a cheaper cash register. However, it is important not only to pay attention to the amount of the contribution, but also to compare the services offered, since they can vary, according to the consumer center in an online contribution.
Adjustment of the insurance tariff in the PKV
Private insured persons have the option of switching to a cheaper tariff within their insurance company. This can be achieved by reducing additional services or increasing the deductible. A higher deductible means that the insured person bears a larger part of the treatment costs itself, which leads to lower monthly contributions. It is advisable to get detailed advice from such changes to ensure that the chosen tariff meets the individual needs.
Admission of contributions to tax savings
Voluntary insured persons can save taxes by advance payment of contributions. The tax office accepts advance payments up to the triple of the annual fee. This strategy can make sense, especially over years, with higher incomes to reduce the tax burden. However, it is important to carefully check your own financial situation and, if necessary, obtain tax advice.
Adaptation of the income report for the self -employed
Self -employed in the SHI should realistically assess their expected income and report to the health insurance company. In the event of a forecast decline in income of more than 25 percent compared to the previous year, an application for reduction in contributions can be made. A current income tax notice serves as evidence, for example. It is important to inform the health insurance company about changes in the income situation.
Change to the basic tariff of the PKV
Private insured persons who want to reduce their contributions can also consider switching to the basic tariff. This offers services comparable to those of the SHI and is capped at the amount of contributions. However, it should be noted that the change to the basic tariff can also be associated with performance restrictions. Detailed advice from the insurer is therefore essential, as the pharmacy Umschau finally recommends.
D. Maier / Redaktion Finanzen.net