I concur with parent. Health insurance: if you're freelance, your health insurance is preferably private (cheaper) and you're free to cancel it if you please.

I concur with parent. Health insurance: if you're freelance, your health insurance is preferably private (cheaper) and you're free to cancel it if you please. Capital gains: is for speculations, can choose to "be a saver not a gambler". Church tax: is for church members, don't join. Gewerbesteuer: is for LLC/Ltd/GmbH/UG etc --- not for freelancers/Freiberufler Pflege: never joined that in my whole life. Seems to be optional then. Rundfunk: this becomes an issue when you register as a resident or fail to deregister as a resident. Now, not being registered as a resident while residing qualifies as "offense"/"misdemeanor" (Ordnungswidrigkeit), not as a crime, last I checked =) (I registered though, when I moved back here after years abroad. Though in retrospect, I have no idea why I did --- for someone who never makes it to the voting booth, all it gives you is GEZ hassles.)