What happens if I can't pay my health insurance contributions?
December 26, 2023 | 50,00 EUR | answered by Fred Schönecker
Dear Sir or Madam,
My name is Konrad Baradari and I am currently in a difficult financial situation. Due to unforeseen expenses and an unexpected change in my professional situation, I am having difficulties paying my health insurance contributions. I am very worried about what will happen if I can no longer afford to pay the contributions.
I am currently in a permanent employment, but my income is not sufficient to cover all my monthly expenses. I have already tried to arrange a payment plan or a deferral with my health insurance, but I was informed that this is not possible due to internal guidelines. I am now concerned that my health insurance could potentially terminate my coverage if I continue to be unable to pay the contributions.
My question to you is: what happens if I can no longer afford to pay my health insurance contributions? Are there any possible solutions or alternatives that I can consider to maintain my insurance coverage? I would be grateful for any help and support, as health care is very important to me and I do not want to be without health insurance.
Thank you in advance for your assistance and I am available for further information.
Sincerely,
Konrad Baradari
Dear Mr. Baradari,
I understand your concerns and can appreciate that paying health insurance contributions in your current financial situation is a significant burden. It is important to address this issue early on to avoid potential negative consequences.
If you are unable to pay your health insurance contributions, it can lead to various problems. Health insurance companies are legally obligated to collect contributions and can take measures to enforce payments in severe cases. This can include reminders, late payment fees, or even termination of the insurance relationship.
However, it is important to note that health insurance is legally required, and you generally cannot be without insurance coverage. There are several ways to maintain your health insurance, even if you are temporarily unable to pay the contributions.
One possible solution could be applying for benefits under the Social Code (SGB). Depending on your individual situation, you may be eligible for benefits such as unemployment benefits II (Hartz IV) or social assistance, which can help you pay your health insurance contributions. It is important to contact the relevant job center or social welfare office early on to clarify your options.
Furthermore, you can try to negotiate an individual solution with your health insurance company. Even though internal policies may sometimes have restrictions, you can still request a payment plan or deferment. It is advisable to explain in writing why you are currently unable to pay the contributions and request an individual solution.
I strongly recommend contacting a specialized attorney in social security law promptly to discuss your individual situation and work on possible solutions. An attorney can provide comprehensive advice and help you assert your rights and claims.
I hope this information is helpful to you and am available to clarify any further questions you may have. I wish you success in resolving your financial challenges and hope that you will soon be financially stable again.
Sincerely,
Fred Schönecker
Attorney at Law specializing in Social Security Law
