{"id":9670,"date":"2025-08-15T14:49:05","date_gmt":"2025-08-15T11:49:05","guid":{"rendered":"https:\/\/www.lugera.ro\/blog\/?p=9670"},"modified":"2025-09-05T08:00:37","modified_gmt":"2025-09-05T05:00:37","slug":"coasigurat-in-2025-ce-inseamna-cum-se-obtine-si-cat-costa-asigurarea-in-noul-sistem","status":"publish","type":"post","link":"https:\/\/www.lugera.ro\/blog\/coasigurat-in-2025-ce-inseamna-cum-se-obtine-si-cat-costa-asigurarea-in-noul-sistem\/","title":{"rendered":"Coasigurat \u00een 2025: ce \u00eenseamn\u0103, cum se ob\u021bine \u0219i c\u00e2t cost\u0103 asigurarea \u00een noul sistem"},"content":{"rendered":"

Statutul de coasigurat \u00een sistemul public de s\u0103n\u0103tate se schimb\u0103 radical \u00eencep\u00e2nd cu 1 august 2025<\/b>, conform noilor reglement\u0103ri fiscale introduse de <\/span>Legea 141\/2025<\/span><\/a>. Persoanele f\u0103r\u0103 venituri nu vor mai putea beneficia de asigurare gratuit\u0103 \u00een baza \u00eentre\u021binerii de c\u0103tre un membru de familie, iar accesul la serviciile medicale va fi condi\u021bionat de o contribu\u021bie anual\u0103.<\/span><\/p>\n

Ce este un coasigurat?<\/b><\/h2>\n

Un <\/span>coasigurat<\/b> este o persoan\u0103 care nu are venituri proprii \u0219i beneficiaz\u0103 de asigurare medical\u0103 \u00een baza contribu\u021biei pl\u0103tite de o alt\u0103 persoan\u0103 (so\u021b, so\u021bie sau p\u0103rinte), care o are \u00een \u00eentre\u021binere. Acest mecanism a fost, p\u00e2n\u0103 recent, o modalitate gratuit\u0103 de includere \u00een sistemul public de s\u0103n\u0103tate pentru persoanele f\u0103r\u0103 venituri. Din august 2025, <\/span>coasigurarea devine o op\u021biune pl\u0103tit\u0103<\/b>.<\/span><\/p>\n

\"coasigurat\"<\/a><\/p>\n

Noul sistem de coasigurare: cum func\u021bioneaz\u0103?<\/b><\/h2>\n

\u00cencep\u00e2nd cu <\/span>1 august 2025<\/b>, statutul de coasigurat se ob\u021bine doar <\/span>dac\u0103 persoana care are \u00een \u00eentre\u021binere pe cineva pl\u0103te\u0219te o contribu\u021bie anual\u0103 de s\u0103n\u0103tate (CASS)<\/b>. Plata se face prin intermediul <\/span>declara\u021biei unice<\/b>, depus\u0103 la ANAF.<\/span><\/p>\n

📌<\/b> Condi\u021bii esen\u021biale:<\/b><\/p>\n

    \n
  • Se poate coasigura <\/span>so\u021bul\/so\u021bia<\/b> sau <\/span>p\u0103rin\u021bii<\/b> f\u0103r\u0103 venituri proprii;<\/span><\/li>\n
  • Coasigurarea este valabil\u0103 pentru o perioad\u0103 de <\/span>12 luni<\/b>;<\/span><\/li>\n
  • Este necesar\u0103 depunerea declara\u021biei unice pentru fiecare persoan\u0103 \u00een parte;<\/span><\/li>\n
  • Plata se face \u00een <\/span>dou\u0103 tran\u0219e<\/b>: 25% la depunere, 75% p\u00e2n\u0103 la 25 mai anul urm\u0103tor.<\/span><\/li>\n<\/ul>\n

    C\u00e2t cost\u0103 coasigurarea \u00een 2025?<\/b><\/h2>\n

    Contribu\u021bia de s\u0103n\u0103tate datorat\u0103 pentru o persoan\u0103 coasigurat\u0103 este calculat\u0103 ca:<\/span><\/p>\n

    10% din valoarea a 6 salarii minime brute pe economie<\/b><\/p>\n

    Pentru anul 2025, la un salariu minim brut de 4.050 lei, rezult\u0103:<\/span><\/p>\n

      \n
    • Sum\u0103 total\u0103 anual\u0103<\/b>: 2.430 lei<\/span><\/li>\n
    • Plat\u0103 la depunerea declara\u021biei (25%)<\/b>: 607,5 lei<\/span><\/li>\n
    • Plat\u0103 p\u00e2n\u0103 pe 25 mai anul urm\u0103tor (75%)<\/b>: 1.822,5 lei<\/span><\/li>\n<\/ul>\n

      Aceast\u0103 sum\u0103 asigur\u0103 accesul la <\/span>pachetul de baz\u0103 de servicii medicale<\/b> pentru persoana aflat\u0103 \u00een \u00eentre\u021binere, pe o perioad\u0103 de 12 luni de la data depunerii declara\u021biei.<\/span><\/p>\n

      Exemple de aplicare:<\/b><\/p>\n

        \n
      • Dac\u0103 depui declara\u021bia unic\u0103 \u00een <\/span>septembrie 2025<\/b>, pl\u0103te\u0219ti 607,5 lei atunci, iar restul de 1.822,5 lei p\u00e2n\u0103 pe 25 mai 2026. Asigurarea e valabil\u0103 p\u00e2n\u0103 \u00een septembrie 2026.<\/span><\/li>\n
      • Dac\u0103 depui declara\u021bia \u00een <\/span>ianuarie 2026<\/b>, pl\u0103te\u0219ti prima tran\u0219\u0103 atunci \u0219i a doua p\u00e2n\u0103 la 25 mai 2027. Asigurarea va fi activ\u0103 p\u00e2n\u0103 \u00een ianuarie 2027.<\/span><\/li>\n<\/ul>\n

        Ce se \u00eent\u00e2mpl\u0103 \u00een cazuri speciale?<\/b><\/p>\n

          \n
        • Dac\u0103 persoana coasigurat\u0103 decedeaz\u0103<\/b> \u00eenainte de expirarea celor 12 luni, se datoreaz\u0103 doar contribu\u021bia pentru lunile \u00een care a fost efectiv asigurat\u0103.<\/span><\/li>\n
        • Dac\u0103 persoana coasigurat\u0103 \u00eencepe s\u0103 ob\u021bin\u0103 venituri<\/b>, se consider\u0103 c\u0103 trebuie s\u0103 se asigure individual, iar situa\u021bia poate fi ajustat\u0103 printr-o nou\u0103 declara\u021bie unic\u0103.<\/span><\/li>\n<\/ul>\n

          Coasigurat \u00een 2025: schimb\u0103ri-cheie fa\u021b\u0103 de vechiul sistem<\/b><\/h2>\n\n\n\n\n\n\n\n\n
          Element<\/b><\/th>\nP\u00e2n\u0103 la 31 iulie 2025<\/b><\/th>\nDup\u0103 1 august 2025<\/b><\/th>\n<\/tr>\n<\/thead>\n
          \n

          Contribu\u021bie CASS<\/span><\/p>\n<\/td>\n

          		Gratuit pentru \u00eentre\u021bin\u0103tori<\/span><\/td>\n\n

          2.430 lei anual\/persoan\u0103<\/span><\/p>\n<\/td>\n<\/tr>\n

          \n

          Modalitate de \u00eenregistrare<\/span><\/p>\n<\/td>\n

          		Prin angajator\/declara\u021bie<\/span><\/td>\n\n

          Exclusiv prin declara\u021bia unic\u0103<\/span><\/p>\n<\/td>\n<\/tr>\n

          \n

          Cine pl\u0103te\u0219te<\/span><\/p>\n<\/td>\n

          		Nu se pl\u0103tea nimic<\/span><\/td>\n\n

          Persoana care are \u00een \u00eentre\u021binere<\/span><\/p>\n<\/td>\n<\/tr>\n

          \n

          Perioada de valabilitate<\/span><\/p>\n<\/td>\n

          		Nedeterminat\u0103 (p\u00e2n\u0103 la pierderea calit\u0103\u021bii)<\/span><\/td>\n\n

          12 luni de la depunere<\/span><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

          Concluzie<\/b><\/h2>\n

          Statutul de <\/span>coasigurat<\/b> se transform\u0103, din 2025, \u00eentr-o op\u021biune <\/span>bazat\u0103 pe contribu\u021bie<\/b>. Cei care vor s\u0103 \u00ee\u0219i asigure membrii familiei f\u0103r\u0103 venituri trebuie s\u0103 fie preg\u0103ti\u021bi s\u0103 acopere aceast\u0103 contribu\u021bie, \u00een dou\u0103 tran\u0219e, prin declara\u021bia unic\u0103. \u00cen ciuda costurilor, accesul la asigurare r\u0103m\u00e2ne important pentru cei care nu pot ob\u021bine venituri proprii, iar acest mecanism ofer\u0103 o solu\u021bie de continuitate \u2013 dar \u00eentr-un cadru mult mai clar \u0219i fiscalizat.<\/span><\/p>\n

          \u00centreb\u0103ri frecvente despre coasigurat<\/b><\/h2>\n

          🟦<\/b> Poate fi coasigurat orice membru al familiei?<\/b><\/p>\n

          Nu.<\/b> Doar <\/span>so\u021bul\/so\u021bia<\/b> sau <\/span>p\u0103rin\u021bii<\/b> f\u0103r\u0103 venituri pot fi lua\u021bi \u00een \u00eentre\u021binere.<\/span><\/p>\n

          🟦<\/b> Ce se \u00eent\u00e2mpl\u0103 dac\u0103 angajatorul nu mai re\u021bine coasigurarea?<\/b><\/p>\n

          Angajatorii nu mai sunt implica\u021bi \u00een acest proces. Totul se face <\/span>direct de c\u0103tre contribuabil<\/b>, prin declara\u021bia unic\u0103.<\/span><\/p>\n

          🟦<\/b> Se pot coasigura mai multe persoane \u00een acela\u0219i timp?<\/b><\/p>\n

          Da, dar <\/span>pentru fiecare persoan\u0103 \u00een parte<\/b> se pl\u0103te\u0219te contribu\u021bia complet\u0103.<\/span><\/p>\n

          🟦<\/b> Pot renun\u021ba la coasigurare \u00een timpul anului?<\/b><\/p>\n

          Da, dar nu se recupereaz\u0103 suma deja pl\u0103tit\u0103. Statutul de asigurat \u00eenceteaz\u0103 doar la expirarea perioadei sau \u00een cazuri precum decesul sau dob\u00e2ndirea de venituri proprii.<\/span><\/p>\n

           <\/p>\n

          Surs\u0103 foto: shutterstock.com<\/p>\n","protected":false},"excerpt":{"rendered":"

          Statutul de coasigurat \u00een sistemul public de s\u0103n\u0103tate se schimb\u0103 radical \u00eencep\u00e2nd cu 1 august 2025, conform noilor reglement\u0103ri fiscale introduse de Legea 141\/2025. Persoanele f\u0103r\u0103 venituri nu vor mai putea beneficia de asigurare gratuit\u0103 \u00een baza \u00eentre\u021binerii de c\u0103tre un membru de familie, iar accesul la serviciile medicale va fi condi\u021bionat de o contribu\u021bie […]<\/p>\n","protected":false},"author":6,"featured_media":9671,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[663],"tags":[],"class_list":["post-9670","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-lugera-payroll"],"images":{"medium":"https:\/\/www.lugera.ro\/blog\/wp-content\/uploads\/2025\/08\/coasigurarea-300x200.jpg","large":"https:\/\/www.lugera.ro\/blog\/wp-content\/uploads\/2025\/08\/coasigurarea.jpg"},"yoast_head":"\nCoasigurarea \u00een 2025: Noi reglement\u0103ri fiscale<\/title>\n<meta name=\"description\" content=\"Afl\u0103 ce \u00eenseamn\u0103 statutul de coasigurat, cum se poate ob\u021bine \u0219i ce 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