The German health care jungle

Since becoming self-employed, which was not so much of a choice for me, but more a forced path, I have had to become privately insured when it comes to health insurance. I had very much hoped to avoid doing so, but it turns out that public health insurance gets very expensive if you are no longer an employee, or Angestellte(r).

You are “allowed” to join the private system only if you are self-employed, are a civil servant, or if your income is above a threshhold, right now which is at about €52,000 per year. If you are an employee and decide to remain in the public system, you are considered freiwillig (voluntarily) insured. In the public system, if you are below the threshhold, you are pflichtversichert (mandatorily publicly insured). Ruth wrote about the benefits and detriments of the two systems. Continue reading

Return to Freelancing

I’ve been away from the blog for a while because we moved to Ireland in 2010 for a new job for me. For years I have been working as a technical writer and editor at large corporations (SAP and IBM, to be exact), but as of April, I have returned to my roots in more ways than one. I’m back in Germany and I am back to freelancing, or being self-employed, which are two different things from a tax perspective. Continue reading