What is the health insurance contribution and why is it charged?

The health insurance contribution is a statutory payment that we automatically pay to the Finnish Tax Administration with every salary payment (1,91 % in 2026). The Finnish Tax Administration remits the payments to Kela, which uses them to fund, among other things, sickness allowance and parental allowances.

So that we know whether you are liable for YEL insurance and whether we need to withhold the health insurance contribution, you need to complete the YEL test in the app. Based on the test, we can see whether you are liable for YEL – if you are not, we will not withhold the contribution. Please note, however, that if your invoicing exceeds the YEL insurance liability threshold (9 423,09 €/year in 2026), the health insurance contribution is activated automatically, since based on the amount you invoice you would be obliged to take out YEL insurance and pay the health insurance contribution.

You can read more about this on the Finnish Tax Administration's website.