As of 1 September 2025, Romania is enacting a major overhaul of its public health insurance system. The concept of being co‑insured—where spouses or parents without their own taxable income are covered through a family member—will disappear. From then on, individuals who previously depended on this arrangement must either start paying the healthcare contribution (CASS) themselves or risk being uninsured. Nestlers Group offers a comprehensive service package to guide you smoothly through this transition and secure your health coverage.
Who Will Be Affected?
Up until now, individuals such as a spouse or parent without taxable income could benefit from free health insurance as a co‑insured under the principal insured person. However, starting 1 September 2025, this privilege will end. Read more on Economica.net, BizBrasov.
More than 650,000 Romanians were co‑insured in 2023. Without action, these individuals will lose their insured status and limited access to medical services—only the minimal coverage will remain.
How to Stay Insured After 1 September
To retain access to public healthcare benefits, those affected need to opt into voluntary health insurance by submitting the Declaraţia Unică (Unique Tax Declaration, form D212) to ANAF. The insurance becomes valid for 12 months from the date of submission.
The required contribution (CASS) equals 10% of six times the national gross minimum wage, typically around 2,430 lei for 2025. Payment is split:
- 25% at the time of submitting the declaration
- 75% by 25 May of the following year
Why These Changes Are Coming
This policy shift is part of a broader fiscal reform aimed at fortifying the health insurance fund by expanding the pool of contributors. Authorities assert that this will allow better budget allocation for medical supplies and improved access to care. Source:
CSID.ro.
Some categories remain exempt, including individuals undergoing treatment for cancer, those in national health programs (e.g., chronic conditions), and people with disabilities. Details on
Tribuna.ro.
What You Need to Do Now—And How Nestlers Group Can Help
If you—or someone you support—are currently covered as a co‑insured, do not wait until September. You risk losing access to reimbursed healthcare services. Here’s how Nestlers Group can support you:
- Personalized Consultation – Understand whether your co‑insured status will end under the new rules.
- Form Assistance – Get help completing and submitting the Declaraţia Unică (D212) accurately.
- Payment Guidance – Ensure correct payment of both installments within the deadlines.
- Follow-Up Services – Confirm ANAF reception and CNAS activation of your insurance.
- Proactive Renewal Reminders – Stay covered for the next year with timely reminders.
Summary at a Glance
| Right Now | From 1 September 2025 |
|---|---|
| Co‑insured status applies if you’re a spouse or parent without income | Co‑insured status ends—you must opt into voluntary insurance to stay covered |
| No CASS payment required for co‑insured | You must pay CASS (~2,430 lei, in 2 installments) |
| You receive full basic medical coverage | You lose access to comprehensive CNAS services unless insured voluntarily |
Don’t leave your healthcare access to chance. Contact Nestlers Group today and let us handle the paperwork, deadlines, and payments—so you can remain protected and worry-free.
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