The long-awaited increase in social and health contributions for self-employed individuals (OSVČ) may not be as steep as expected. While the official plan was to raise the minimum social insurance from CZK 4,759 to CZK 5,720 per month, the new coalition government is now proposing to keep it lower — at CZK 5,005.
If approved, this would mean a monthly saving of CZK 715, or roughly CZK 8,500 per year for freelancers paying the minimum rate.
What’s Changing
Under the current rules, the minimum base for social insurance contributions for self-employed persons increases gradually — from 25 % of the average wage in 2023, to 30 % in 2024, to 35 % in 2025, and 40 % in 2026.
This change was part of the previous government’s plan to strengthen public finances and ensure higher future pensions for freelancers.
However, the incoming coalition (ANO, SPD, Motorists) disagrees with the increase and has proposed to stop the rise at 35 % of the average wage.
That means:
Social insurance minimum would increase only slightly to CZK 5,005 (instead of 5,720),
Health insurance minimum remains at planned CZK 3,306.
What’s the Catch?
The proposal still needs to go through the standard legislative process, including review by the government, three readings in the Chamber of Deputies, and approval by the Senate.
It’s unlikely to be passed before January 2026 — meaning freelancers will initially pay the higher amount, and later may request a refund or adjustment for the overpaid difference.
If the law passes later, the overpayment will be credited automatically when calculating final social insurance for the year.
What It Means for Freelancers
While this is good news for many OSVČ paying the minimum, it also comes with a reminder:
Lower contributions mean lower future pension entitlements — something to consider for your long-term financial planning.
Still, for many freelancers and digital nomads, an extra CZK 700+ per month saved now could make a real difference in their budget.
Need help figuring out how this affects your freelance setup in Czechia?
Book a consultation and make sure your contributions, taxes, and registrations are all set up right from the start.