Raising health insurance premiums - new government plans!


The government is still looking for money that can increase state budget revenues. This time there was an idea to increase the mandatory fees for the health service. Currently, there are several plans to increase the health insurance premium. We present all solutions below.

How much do we currently pay the health insurance contribution?

The health insurance premium is currently the main source of financing for the health service, the remaining money comes from the state budget. The health insurance premium should be paid by every person who wants to use the services of the National Health Fund. Currently, its amount depends on what we generate income for, and so:

  • for employees, it is calculated on the basis of remuneration less social security contributions financed by the employee. The rate of this contribution is 9%, while 7.75% can be deducted from the tax;
  • entrepreneurs pay it in the lump sum on the basis of 75% of the average wage in the enterprise sector in the fourth quarter of the previous year;
  • farmers pay it in the amount of PLN 1 per conversion hectare for each declared insured, and this applies to farms with an agricultural area of ​​6 hectares and more. The contribution below 6 ha is the same, but it is not paid by the farmer, but by the state budget.

What would the increase in health insurance contribution look like?

As we can read on the DGP website, there are several ideas for increasing the health insurance premium. The first one would concern the best-earning entrepreneurs who currently pay a flat-rate premium (PLN 381.81 per month in 2021), regardless of their income. After the change, the amount of the contribution would depend on real earnings. The second option is to limit the number of persons insured in KRUS and those benefiting from reliefs in the payment of health insurance contributions. The third idea is to increase the health insurance premium for employees while increasing the tax deductible amount.

According to the law adopted in 2018 called "6% of GDP for health" by 2024, expenditure on the health care system is to increase to 6% of GDP. To achieve this goal, the government is introducing new taxes and is now also planning to increase the health insurance premium. Such action may bring real revenues to the National Health Fund, which means more money for treatment.