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About LittleWolfie

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  • Location Wetzlar
  • Nationality Irish
  1. Public vs. private health insurance

    Health insurance. No income but privately insured wifes income used to calculate my insurance rate   Greetings. Before I post my query, I think, having just read the previous posts on this thread that Starshollow provided an answer on 25th September 2019, which I believe applies to my case in the main. It does seem somewhat incredulous (not Starshollows explanation but the way the system operates in such an instance)  Am I making a correct comparison between the two cases?   Here is my post:   How does my wifes income affect my health insurance rate?   A few years ago I was luck enough to get onto public insurance with AOK as a freelance English teacher   SInce then my German wife (we married the end of 2019)  has qualified as a state highschool teacher and works full time but has opted for private health insurance.   Our two young children are insured through me.   Until recently I have been paying a modest 201 euro total for Krank... and Pfleig... combined. Over the last two years my income being decreasing tellingly. 2020 was only about 6000 pre tax profit and this year is 0 income so far (and will stay like this for the rest of this year most probably). On AOKs latest income assessment form I had stated I am now a hausmann as I am the primary carer during the week. I also applied having spoken to an AOK representative for the minimum rate.   Today I received a letter which states that my rate has now increased to 333 euro total per month. The reason being that even though i have no income because of Corona, this is based on my wifes income (about 4000 gross) and the fact that she is on private insurance.   The bit about not qualifying for family cover because she is private I understand, but the (apparently) high updated rate based on her income I am surprised by. I am trying to figure out the rational and\or the calculated rate and to reach clarity about is it the combined income that is used to calculate the insurance rate.   Thank you for your time