The Department of Taxes has informed pensioners and employers that, effective January 1, 2026, the AZV health insurance premium for pensioners aged 65 and older has been reduced.
During 2025, pensioners paid 5% AZV premium on the first Afl. 30,000 of income or salary derived from previous employment. Any income exceeding Afl. 30,000 was subject to a 10.5% premium. As of January 1, 2026, the premium on the first Afl. 30,000 has been reduced to 0%, representing a 5% reduction for pensioners.
Maximum Income Subject to AZV Premium
The maximum income threshold used to calculate the AZV premium remains unchanged at Afl. 85,000 for 2026. This means that pensioners earning above this amount will pay a maximum annual AZV premium of Afl. 5,775. In 2025, the maximum premium was Afl. 7,275, resulting in a yearly reduction of Afl. 1,500.
Example Calculation
Premie-inkomen: Afl. 56,000
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0% on the first Afl. 30,000 = Afl. 0
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10.5% on the remaining Afl. 26,000 = Afl. 2,730
In this example, the pensioner will pay a total of Afl. 2,730 in AZV premiums for 2026.
No Change for Non-Pensioners
For individuals under the age of 65, no changes have been made. The maximum income threshold remains Afl. 85,000, with a premium rate of 10.5%, resulting in a maximum annual AZV premium of Afl. 8,925 for 2026.
The Department of Taxes issued a special reminder to employers to take the adjusted percentage into account when calculating AZV premiums for pensioners, ensuring that the correct amount is withheld.
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