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HEALTH

Who would be affected by Italy’s plan to charge €2,000 a year for healthcare?

Italy's government has said it wants to charge a €2,000 annual fee for some foreign nationals to register with the Italian national health service - but it's not yet entirely clear who this would apply to.

Who would be affected by Italy's plan to charge €2,000 a year for healthcare?
(Photo by Alberto PIZZOLI / AFP)

We now know that the plan to introduce a €2,000-euro charge for healthcare mentioned in a budget statement by Italy’s economy and finance ministry on Monday will not in fact apply to all non-EU nationals, as it appeared to state.

According to a clarification from the health ministry on Tuesday, the charge will only apply to non-EU nationals who already have to pay an annual fee to use the public health service (servizio sanitario nazionale, or SSN).

The rule contained in the 2024 budget draft is “limited to updating the stipulated lump-sum contribution,” the health ministry said, suggesting that the new charge would replace existing annual registration fees, rather than being an additional fee.

So it doesn’t appear to be a blanket charge applied to all non-EU nationals as many initially feared – and it doesn’t look like this will apply to people who are currently exempt from paying annual registration fees for Italy’s health service (those who are entitled to free healthcare under ‘mandatory’ registration, or iscrizione obbligatoria.)

But for many others, it seems that – if this proposal becomes law – they could face higher charges.

READ ALSO: What we know about Italy’s plan to charge non-EU residents €2,000 for healthcare

Many of Italy’s international residents are required to pay an annual fee (the “lump-sum contribution” the health ministry referred to) if they choose to register with the SSN under what’s called ‘voluntary’ registration, or iscrizione volontaria.

(You can read more about the two different types of registration in a separate article here.)

Under the government’s proposal, it seems people in the ‘voluntary’ registration category are the ones who could face a steep increase in fees from next year.

The SSN registration fee starts at €387.34 and goes up to a maximum of €2,788.86, based on your income and other factors. The average payment is around €1,200, meaning that for the majority of people a €2,000 fee would be a sharp increase.

Still others say they’re unclear as to whether or not the charges would apply in their circumstances.

With very little information about the plans announced so far, a lot of questions remain about exactly who the charge would apply to.

Many of The Local’s readers have expressed concern and frustration about the lack of detail given so far, with some saying that, as they did not factor a €2,000 healthcare charge per family member into their budget when they moved to Italy, they would struggle to afford this extra cost.

Based on the information available so far, the main – and perhaps only – factor determining whether or not someone will face the €2,000 charge so far appears to be whether or not they are signed up to the SSN via voluntary or mandatory registration.

Announcements so far have not dealt with the issue of whether British nationals who were resident in Italy before the end of December 2020, and who are therefore covered by the post-Brexit Withdrawal Agreement (WA) would be treated like EU or non-EU nationals in the application of this rule.

The WA provides that British nationals who were legally registered as resident in Italy before the Brexit date should be treated the same as EU citizens in Italy.

There has also been widespread confusion among Italy’s international residents about what it means to pay a registration fee for the SSN.

This fee is charged annually upon registration with and subsequent renewal of registration with your local health authority, which entitles you, among other things, to register with a medico di base (family doctor, or general practitioner).

It’s important to note that this fee is not the same thing as the INPS (health, social security and pension) payments due if you’re obliged to pay your own contributions in Italy, such as in the case of those who are self-employed under a partita IVA.

In this case, you would be entitled to ‘mandatory’ registration with the SSN, with no fee – but as INPS contributions in this case are charged at around 23-26 percent of your income, the total of these payments usually comes to much more than 2,000 euros a year.

Anyone who is signed up to the ‘voluntary’ system can effectively opt out of the public system and choose to pay for private healthcare instead. However, whether or not this would prove better value than a 2,000-euro fee will depend on the type of healthcare coverage you need.

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For members

MONEY

How much cash can you travel with to Italy?

Italy has a limit on the amount of cash that you can bring into the country without declaring it. So what exactly are the rules and what happens if you don't declare?

How much cash can you travel with to Italy?

Whatever reason you may have to bring large amounts of cash into the country – this could be anything from business to vacation to other personal matters – Italy has laws that keep you from doing so over a certain sum without first declaring it to border authorities. 

You can freely take cash (this goes for banknotes and coins of any currency) or other securities (e.g. cheques and traveller’s cheques, signed money orders, bullion) in or out of Italy only if they amount to a total of 9,999 euros or lower, according to Decree 195 2008, which sets out plans to prevent money laundering and tax evasion.

This means that any amount equal to or over 10,000 euros must be declared to the Italian customs authorities (Agenzia delle Dogane) by filling out and submitting a declaration form upon either entering or leaving the country. You can find an English version of the form at this link.

The requirement applies to people travelling to or from both EU and non-EU countries, and tightens existing EU-wide cash declaration rules, which only apply to movements to or from non-EU nations.  

The form requires travellers to specify their personal details, including address and ID number, details of their journey, the total amount of cash carried and its intended use or recipient, as well as the source of the money (property sale, business earnings, inheritance, etc.).

READ ALSO: Can businesses in Italy legally refuse card payments?

You can complete the form upon entering or leaving the country, or, in some cases, submit it electronically with Italy’s Agenzia delle Dogane before your journey. 

What happens if I don’t declare?

Failure to declare any amount over 10,000 euros comes with hefty penalties. 

Italian customs authorities have the power to seize the undeclared money and can hand out fines of up to 50 percent of the amount exceeding 10,000 (for instance, 50 percent of 4,000 in the case of a total of 14,000 euros), with 300 euros being the minimum possible fine.

Is there a limit to the amount of cash I can carry on me in Italy?

Unlike other EU countries – in Spain, people intending to carry 100,000 euros or over must notify the Treasury before doing so – Italy has no limit on the amount of cash you’re allowed to have on you. 

However, there’s a limit to the amount you can pay for something in cash. 

READ ALSO: What are the best banks for foreigners in Italy?

Transactions equal to or over 5,000 euros (the threshold was raised from 2,000 euros in 2023) must be made using a traceable means of payment, including credit or debit card payments, bank transfers and electronic money payments, according to Decree 231 2007.

People caught making or receiving payments over 5,000 euros in cash could face fines of a minimum of 5,000 euros.

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