Am I required to pay CASS if I have no income at all?

No, it is optional. If you do not pay, you remain uninsured and only have access to emergency medical services, not a family doctor or scheduled consultations. Paying insures you for 12 months from the date you file the declaration.

How much does own-account CASS cost in 2026?

2,430 lei/year — 10% of 6 gross minimum wages (4,050 lei, the value from 1 January 2026). The amount does not change if the minimum wage rises during the year.

31.08.2026 1 EUR = 5,2586 lei 1 USD = 4,5335 lei

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CASS With No Income Calculator, 2026

For anyone with no salary, PFA, pension, or other income that automatically generates CASS, but who wants to stay covered by health insurance.

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Annual CASS

2,430lei/year

10% of 6 minimum wages (6 × 4,050 lei, value on 1 January 2026)2,430 lei

First installment — when filing the declaration (25%)608 lei

Second installment — by 25 May the following year (75%)1,822 lei

Estimate, not tax advice. Payment is optional — if you don't pay, you remain "uninsured" and only have access to the minimal emergency package, not a family doctor or scheduled consultations. Coverage lasts 12 months from the date you file the Single Tax Return (Declarația Unică, form 212), not retroactively — it must be renewed before it expires. If you become exempt in the meantime (employment, pension, etc.), the amount already paid is not recalculated or refunded.

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How own-account CASS works

Art. 180 of the Cod fiscal allows anyone with no taxable income — and who doesn't fall under any of the exempt categories in Art. 154 — to opt to pay CASS in order to stay covered by health insurance. The calculation base is fixed: 6 gross national minimum wages, at the value from 1 January of that year, regardless of whether the minimum wage rises during the year. For 2026, that means 6 × 4,050 lei = 24,300 lei, and 10% CASS on this base gives 2,430 lei/year — the same amount as in 2025.

How to declare and pay

The Single Tax Return (Declarația Unică, form 212), filed any time during the year — there is no fixed deadline as there is for PFA. The filing date matters: your 12 months of coverage start from there. Payment is made in two installments: 25% when filing, the remaining 75% by 25 May the following year — a different deadline from the 25 July one used for CASS regularization on other types of income.

What changed

Since 1 August 2025, a number of categories that received free co-insurance (a spouse or other dependent with no income, unemployed people) automatically lost that status — if you were previously insured for free as a dependent, check again, as you may no longer be. The mechanism of co-insurance paid by someone else (Art. 182¹) remains available — a relative with income can pay your CASS for you, using the same formula and deadlines.