{"id":17922,"date":"2025-08-08T09:51:12","date_gmt":"2025-08-08T06:51:12","guid":{"rendered":"https:\/\/nestlersgroup.com\/?p=17922"},"modified":"2025-08-08T09:58:20","modified_gmt":"2025-08-08T06:58:20","slug":"major-healthcare-reform-in-romania-what-co-insured-individuals-must-do-before-september-1","status":"publish","type":"post","link":"https:\/\/nestlersgroup.com\/ro\/major-healthcare-reform-in-romania-what-co-insured-individuals-must-do-before-september-1\/","title":{"rendered":"Major Healthcare Reform in Romania: What Co-Insured Individuals Must Do Before September 1"},"content":{"rendered":"<p><span style=\"font-size: revert; color: initial;\">As of <\/span><strong style=\"font-size: revert; color: initial;\">1 September 2025<\/strong><span style=\"font-size: revert; color: initial;\">, Romania is enacting a major overhaul of its public health insurance system. The concept of being <\/span><em style=\"font-size: revert; color: initial;\">co\u2011insured<\/em><span style=\"font-size: revert; color: initial;\">\u2014where spouses or parents without their own taxable income are covered through a family member\u2014will disappear. From then on, individuals who previously depended on this arrangement must either start paying the healthcare contribution (CASS) themselves or risk being uninsured. <\/span><strong style=\"font-size: revert; color: initial;\">Nestlers Group<\/strong><span style=\"font-size: revert; color: initial;\"> offers a comprehensive service package to guide you smoothly through this transition and secure your health coverage.<\/span><\/p>\n<h2>Who Will Be Affected?<\/h2>\n<p>Up until now, individuals such as a spouse or parent without taxable income could benefit from free health insurance as a <em>co\u2011insured<\/em> under the principal insured person. However, starting <strong>1 September 2025<\/strong>, this privilege will end. Read more on <a href=\"https:\/\/www.economica.net\/coasigurat-la-sanatate-doar-pana-la-1-septembrie-dupa-aceasta-data-fie-va-plati-cass-fie-va-ramane-neasigurat-raspunsuri-la-cele-mai-presante-intrebari-despre-subiect_851457.html\" target=\"_blank\" rel=\"noopener\">Economica.net<\/a>, <a href=\"https:\/\/www.bizbrasov.ro\/2025\/07\/18\/in-sistemul-de-sanatate\/\" target=\"_blank\" rel=\"noopener\">BizBrasov<\/a>.<\/p>\n<p>More than <strong>650,000 Romanians<\/strong> were co\u2011insured in 2023. Without action, these individuals will lose their insured status and limited access to medical services\u2014only the minimal coverage will remain.<\/p>\n<h2>How to Stay Insured After 1 September<\/h2>\n<p>To retain access to public healthcare benefits, those affected need to <strong>opt into voluntary health insurance<\/strong> by submitting the <strong>Declara\u0163ia Unic\u0103 (Unique Tax Declaration, form D212)<\/strong> to ANAF. The insurance becomes valid for <strong>12 months<\/strong> from the date of submission.<\/p>\n<p>The required contribution (CASS) equals <strong>10%<\/strong> of <strong>six times the national gross minimum wage<\/strong>, typically around <strong>2,430\u202flei for 2025<\/strong>. Payment is split:<\/p>\n<ul>\n<li><strong>25%<\/strong> at the time of submitting the declaration<\/li>\n<li><strong>75%<\/strong> by <strong>25 May<\/strong> of the following year<\/li>\n<\/ul>\n<h2>Why These Changes Are Coming<\/h2>\n<p>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:<br \/>\n<a href=\"https:\/\/www.csid.ro\/stiri\/anunt-major-pentru-romanii-fara-asigurare-de-sanatate-ce-se-schimba-de-la-1-septembrie-2025-si-cum-pot-fi-mentinute-serviciile-medicale-decontate-20906229\/\" target=\"_blank\" rel=\"noopener\">CSID.ro<\/a>.<\/p>\n<p>Some categories <strong>remain exempt<\/strong>, including individuals undergoing treatment for cancer, those in national health programs (e.g., chronic conditions), and people with disabilities. Details on<br \/>\n<a href=\"https:\/\/www.tribuna.ro\/adio-coasigurati-ce-se-schimba-in-sistemul-de-sanatate-de-la-1-septembrie-2025\/\" target=\"_blank\" rel=\"noopener\">Tribuna.ro<\/a>.<\/p>\n<h2>What You Need to Do Now\u2014And How Nestlers Group Can Help<\/h2>\n<p>If you\u2014or someone you support\u2014are currently covered as a co\u2011insured, <strong>do not wait until September<\/strong>. You risk losing access to reimbursed healthcare services. Here\u2019s how <strong>Nestlers Group<\/strong> can support you:<\/p>\n<ul>\n<li><strong>Personalized Consultation<\/strong> \u2013 Understand whether your co\u2011insured status will end under the new rules.<\/li>\n<li><strong>Form Assistance<\/strong> \u2013 Get help completing and submitting the Declara\u0163ia Unic\u0103 (D212) accurately.<\/li>\n<li><strong>Payment Guidance<\/strong> \u2013 Ensure correct payment of both installments within the deadlines.<\/li>\n<li><strong>Follow-Up Services<\/strong> \u2013 Confirm ANAF reception and CNAS activation of your insurance.<\/li>\n<li><strong>Proactive Renewal Reminders<\/strong> \u2013 Stay covered for the next year with timely reminders.<\/li>\n<\/ul>\n<h2>Summary at a Glance<\/h2>\n<table>\n<tbody>\n<tr>\n<th>Right Now<\/th>\n<th>From 1 September 2025<\/th>\n<\/tr>\n<tr>\n<td>Co\u2011insured status applies if you&#8217;re a spouse or parent without income<\/td>\n<td>Co\u2011insured status <strong>ends<\/strong>\u2014you must opt into voluntary insurance to stay covered<\/td>\n<\/tr>\n<tr>\n<td>No CASS payment required for co\u2011insured<\/td>\n<td>You must pay CASS (~2,430\u202flei, in 2 installments)<\/td>\n<\/tr>\n<tr>\n<td>You receive full basic medical coverage<\/td>\n<td>You lose access to comprehensive CNAS services unless insured voluntarily<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><strong>Don\u2019t leave your healthcare access to chance.<\/strong> <a href=\"https:\/\/nestlersgroup.com\/contact\" target=\"_blank\" rel=\"noopener\">Contact Nestlers Group today<\/a> and let us handle the paperwork, deadlines, and payments\u2014so you can remain protected and worry-free.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Starting September 1, 2025, Romania will end free health coverage for co-insured individuals, requiring them to pay their own healthcare contributions to stay insured.<\/p>\n","protected":false},"author":1000010,"featured_media":17923,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[182,80],"class_list":["post-17922","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","tag-immigration","tag-work-permit-romania"],"_links":{"self":[{"href":"https:\/\/nestlersgroup.com\/ro\/wp-json\/wp\/v2\/posts\/17922","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/nestlersgroup.com\/ro\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/nestlersgroup.com\/ro\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/nestlersgroup.com\/ro\/wp-json\/wp\/v2\/users\/1000010"}],"replies":[{"embeddable":true,"href":"https:\/\/nestlersgroup.com\/ro\/wp-json\/wp\/v2\/comments?post=17922"}],"version-history":[{"count":2,"href":"https:\/\/nestlersgroup.com\/ro\/wp-json\/wp\/v2\/posts\/17922\/revisions"}],"predecessor-version":[{"id":17926,"href":"https:\/\/nestlersgroup.com\/ro\/wp-json\/wp\/v2\/posts\/17922\/revisions\/17926"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/nestlersgroup.com\/ro\/wp-json\/wp\/v2\/media\/17923"}],"wp:attachment":[{"href":"https:\/\/nestlersgroup.com\/ro\/wp-json\/wp\/v2\/media?parent=17922"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/nestlersgroup.com\/ro\/wp-json\/wp\/v2\/categories?post=17922"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/nestlersgroup.com\/ro\/wp-json\/wp\/v2\/tags?post=17922"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}