Who pays for health insurance if you are unemployed?

Introduction to health insurance when unemployed

In Germany, health insurance is an essential part of the social security system, especially when unemployed. Unemployment can take different forms, but always has an impact on the obligation to have health insurance. In general, anyone who is unemployed and receives unemployment benefit I or citizen's allowance is automatically registered and insured in the statutory health insurance scheme by the responsible authority, such as the Federal Employment Agency.

Who covers the costs of health insurance when you are unemployed?

The costs of health insurance when you are unemployed are usually covered by the Federal Employment Agency if you are receiving unemployment benefit. This applies to both unemployment benefit I and citizen's allowance. If you do not receive any benefits, you will still be compulsorily insured, but you will have to pay the contributions yourself. You can find more information here.

Health insurance when unemployed but not receiving benefits

For people who are unemployed but not receiving benefits, the situation is a little more complex. In such cases, you have to arrange your own health insurance and pay the contributions out of your own pocket. You can voluntarily register for a statutory health insurance scheme or switch to a private health insurance scheme. Further details are available here.

Special features - health insurance during a blocking period

Special regulations apply when a blocking period comes into effect, for example after a voluntary termination. During this blocking period, you will not receive any unemployment benefit, which in turn affects the payment of health insurance contributions. In such cases, you may have to pay the contributions yourself or insure yourself in another way. You can find out more about this here.

Conclusion and important information

It is crucial to know your options regarding health insurance when you are unemployed in order to remain fully insured. Regardless of whether you are receiving benefits or not, you should find out about the options available. If you would like to find out more about support services such as retraining and career prospects, visit neue fische. Our bootcamps offer you the chance to enter the digital world and improve your career prospects.