Insurance contributions: The upheavals that 2025 brings to freelancers and farmers

At 226.16 euros, the first category is expected to be formed for the insurance contributions to 1,100,000 eself-employed and 659.39 the final sixth category.

Respectively for farmers the first category is at 145.63 euros and the last at 394.94, respectively. The increase that will take effect from the beginning of January reaches 2.7%.

From 2026, changes the way of determining the increases in contributions, which will now be linked to the increase of inflation and the average increase in wages.

The insurance contributions

It should be noted that since the middle of December, the possibility provided by e-EFKA to freelancers, self-employed and farmers, has been activated to request a change in their insurance category. The relevant application is made electronically and the deadline expires at the end of 2025.

It is reminded that the selection of the higher insurance categories also leads to higher pension benefits. In case of non-submission of an application-declaration of category change, the ranking category of the previous year remains active.

To the total of the monthly contributions of freelancers and the self-employed is added a monthly contribution of 10 euros for unemployment benefits, which remains fixed.

For farmers the new contributions after the increase in 2024 range between 145.63 euros in the first category to 394.94 euros in the sixth category (141.85 euros to 384.56 euros, respectively, were in 2024).

By 2.7% increase since the beginning of the new year and the monthly subsidy insurance and one-off contributions for doctors, lawyers and engineers. The new monthly supplementary insurance contributions that self-employed lawyers and engineers are required to pay are expected to be 45.43 euros for the first category, 54.76 euros for the second and 65.25 euros for the third category (from 44.24 euros, 53.32 euros and 63.53 euros which were, respectively, in 2024).

The new one-off monthly contributions that self-employed lawyers, engineers and doctors are obliged to pay are 30.29 euros for the first category, 36.12 euros for the second and 43.10 euros for the third category (from 29.49 euros, 35.17 euros and 41.97 euros euros which were, respectively, in 2024).

For example, a doctor who pays a third category contribution, for main pension and lump sum, will pay from 1/1/2025 a total of 342.59 euros per month, from 277.72 euros he paid in 2024. These amounts include the contribution of the pension and sickness sector, as well as unemployment.

The new insurance categories for self-employed professionals

Source: ot.gr