however, childless people who are 23 years or older have to pay a rate of 1.95%. this is paid from the gross amount of wages or pensions but only up to a maximum amount for health insurance from the current €4,012.50 per month. this regulation applies equally to all citizens of germany since 1. july 1996. family members are in a non-contributory insurance if the family coverage is eligible for the health insurance. however, the receipt of benefits from the long-term care does not absolve from payment of contributions.