Expat Exchange
Free MembershipSign In

France Expat Forum

Puma insurance

New Topic Newest First
usfrenchie
  12/14/2021 19:01 EST

If you are american resident in France with income coming only from us social security and retirements accounts( 401k,roth ira) do you have to pay 8% of cotisations for the puma or nothing like I read in differents expat forum.May will be nice to hear from some expat already living in France
Thanks

Kathling9
  12/16/2021 10:13 EST

The cotizacion is determined on an individual basis and is based on income sources— active employment earnings, pensions, investments.
You will not be informed as to whether or not you will pay or be exempt from any charge until after you have lived one year in France and have filed your French income taxes.
Like many rules and laws in France, requirements can change from year to year.
Here is a French government site that explains a bit more.
Other than that, I have knowledge only of my own situation as a retiree.
https://www.french-property.com/guides/france/public-services/health/puma/charge#

Allianz CareAllianz Care
Get Quote

Allianz Care's plans ensure that you have access to quality healthcare whenever you need it. Our flexible solutions allow you to tailor your cover to meet your needs and budget. You can submit your claims digitally and our helpline is available 24/7 to help you anytime.

Allianz CareAllianz Care

Allianz Care's plans ensure that you have access to quality healthcare whenever you need it. Our flexible solutions allow you to tailor your cover to meet your needs and budget. You can submit your claims digitally and our helpline is available 24/7 to help you anytime.
Get Quote

usfrenchie
  12/16/2021 19:41 EST

Thank you for your answer.
I know if you have active income you will have to pay cotisations for puma but my question is if you have only passive income ie social security and retirements accounts( 401k ira and roth) are you exempt.

Kathling9
  12/19/2021 10:28 EST

I thought I had posted a response to your response. Yes, I understood your question and answered it. All income, active and/or “passive,” is considered when determining whether or not or how much cotizacion you will pay. All legal residents of France are required to file annual French income tax forms, regardless of whether or not they work. You will be informed of any required healthcare contributions after your first tax filing.

usfrenchie
  12/19/2021 12:04 EST

Thank you Katling.for your response. It s my fault. Just misunderstood.
Bonne journee. Merci

Kathling9
  12/21/2021 07:29 EST

If you would like to hear of my personal experiences with cotizacion, you can send me a private message.

Allianz CareAllianz Care
Get Quote

Allianz Care's plans ensure that you have access to quality healthcare whenever you need it. Our flexible solutions allow you to tailor your cover to meet your needs and budget. You can submit your claims digitally and our helpline is available 24/7 to help you anytime.

Allianz CareAllianz Care

Allianz Care's plans ensure that you have access to quality healthcare whenever you need it. Our flexible solutions allow you to tailor your cover to meet your needs and budget. You can submit your claims digitally and our helpline is available 24/7 to help you anytime.
Get Quote

ellenyparis
  12/21/2021 15:36 EST

As far as you know, are expats EVER completely excused from PUMA cotisation? Thanks!

graemefaelban
  12/22/2021 11:18 EST

I have asked this same question in other forums, and have been informed that at least some people do not pay anything on their retirement income from the US based on their personal experience. Social Security, IRA, 401K. I have had others say that I would have to pay, but not from their personal experience.

ellenyparis
  12/23/2021 04:07 EST

Interesting, thanks for the report!
Could this be a sort of average-to-rich Expat sliding scale that Gouv is using but hardly publicizing - ..?

graemefaelban
  12/26/2021 13:11 EST

The impression I got was that it was about how the income sources were evaluated, sometimes mistakes are made, either on the part of the person filing their taxes, or on the part of the state. My understanding is that it should not be subject to the various social taxes, if it is a state pension (Social Security, IRA, and 401k all have that classification). In the end, it is best to consult with an expert on the subject, which I am not, and if you are incorrectly charged, then you can contest it.

Allianz Care
Allianz Care

Flexible solutions allow you to tailor your cover to meet your needs and budget. Use Promocode: LIFE10 and get 10% off your international health insurance for life!
Get Quote

Allianz CareAllianz Care

Flexible solutions allow you to tailor your cover to meet your needs and budget. Use Promocode: LIFE10 and get 10% off your international health insurance for life!
Get Quote

Living in France GuideLiving in France Guide

Guide to Living in France covering expat life, local culture, finding a home, diversity and more.

France Forum France Forum
Join our France forum to meet other expats and talk about living in France.

Contribute to France Network Contribute
Help other expats and newcomers by answering questions about the challenges and adventures of living in France.

Best Places to Live in France Best Places to Live in France

If you're thinking about living in France, here are the 15 Best Places to Live in France in 2023.

Healthcare in FranceHealthcare in France

Expats often ask if health insurance is free in France or if you need health insurance to go to France. Here is basic information about the French healthcare system.

Cost of Living in FranceCost of Living in France

Expats offer insight into the cost of living in France.

Moving to FranceMoving to France Guide

Expats all over the world dream of someday making France their next destination. As with other countries, there is a lot of planning involved, and a lot of decisions to be made.

Real Estate in FranceReal Estate in France

Real estate listings in popular cities and towns in France.

Pros Cons of Living in FrancePros & Cons of Living in France

Take off your rose-colored glasses and learn what expats have to say about the biggest challenges and the greatest rewards of living in France.

Retiring in FranceRetiring in France

Advice for people retiring in France.

10 Tips for Living in France10 Tips for Living in France

If you've recently arrived in France, here are 10 tips for digital nomads living in France.

Allianz Care
Allianz Care

Flexible solutions allow you to tailor your cover to meet your needs and budget. Use Promocode: LIFE10 and get 10% off your international health insurance for life!
Get Quote

Allianz CareAllianz Care

Flexible solutions allow you to tailor your cover to meet your needs and budget. Use Promocode: LIFE10 and get 10% off your international health insurance for life!
Get Quote

Contribute to France Network Contribute
Help others in France by answering questions about the challenges and adventures of living in France.

Universal Tax Professionals
Universal Tax Professionals

Copyright 1997-2024 Burlingame Interactive, Inc.

Privacy Policy Legal