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Discussion Starter · #1 ·
Is there a time duration after paying cotisations under the AE program that health care coverage would become permanent? That is, without continuing the AE?
Thanks
 

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It never becomes permanent. If you close your AE you will be covered by your existing caisse for a limited time (possibly a year I think from memory but you will find the exact infomation on lautoentrepreneur website) or until you become covered via your new employment / retirement / whatever. After that you will have to find out what you are eligible for and make other arrangements, perhaps via CPAM.
 

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Discussion Starter · #3 ·
And if I set up as a regular business, not AE, would there be a time that I would have paid enough into the system and could then "retire" with the health benefits?
 

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No. If you stop working and are eligible for unemployment (chomage, through Pole Emploi), they will continue your health care coverage for the time that you are on chomage. If and when you qualify for a state pension and retire, your pension makes you eligible for the state health care coverage. But if you stop working and have no "benefit system" continuing your cotisations you're on your own.

In any event, if you want to continue mutuelle coverage, you have to pay for that yourself.
Cheers,
Bev
 

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As said - no, that's not how it works. Having paid in x euro xx cents in the past does not, per se, entitle you to anything at all. It's a socialist society, the principle is that everybody pays in to the pot according to how much they earn, some can afford to pay in more than others, and the state is then responsible for redistributing all the money fairly. Before anyone gets anything back the state has to be satisfied that they are entitled. Depending what benefit you are applying for this can mean scrutinising your contributions record, your income, your resources, your residency status, any entitlements you may be able to claim from overseas governments, etc, etc.
 

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And if I set up as a regular business, not AE, would there be a time that I would have paid enough into the system and could then "retire" with the health benefits?
On reflection, I suppose that technically the answer to this is Yes. After 40 years you qualify for a full French retirement pension and basic state health benefits. Or at least, that's under the current rules - but the mileposts will have moved several times before then, sure as eggs is eggs.
 
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