Coffee bus and small entrepreneur: challenges in Upper Franconia!

Coffee bus and small entrepreneur: challenges in Upper Franconia!

In a colorful and lively atmosphere, the small business day of the IHK for Upper Franconia Bayreuth took place in the digital start -up center Lagarde1 in Bamberg. A very special highlight was the presentation of Sabrina Alija from Eggolsheim, who with her coffee bus "Bussini Coffee and more" not only conquered the hearts of the coffee lovers, but also that of the entrepreneurs present. Your bus offers a wide range of coffee variants and tours through the region - a real profit for local gastronomy.

Around 85 percent of companies in Upper Franconia have fewer than ten employees. This means that they are not only an important economic factor, but also faces numerous challenges, as Herbert Grimmer, chairman of the IHK committee Bamberg, emphasized. The topics of the day were diverse and ranged from the usefulness of the IHK services to the special needs of solo-relevant and small business owners.

health insurance for small business owners in focus

One of the central topics at the small business day was health insurance. Bernd Oswald Müller, lawyer and insurance clerk, gave valuable tips on the choice between statutory and private health insurance. For many self -employed people, health insurance is a significant cost factor, especially if their income is low. Since 2019, however, self -employed with low income has been paying lower health insurance contributions, which relieves the financial burden somewhat. The minimum contribution for 2024 is 183.82 euros per month, which enables many small entrepreneurs to afford affordable insurance. This development is important, because by the end of 2018, small business owners often had to pay 356.27 euros per month, which for many led them to fall behind and lost their full performance.

The delimitation between statutory health insurance (GKV) and private health insurance (PKV) was another challenge for those present. While the SHI offers contributions -dependent contributions and also includes free family co -insurance, the private health test requires a health check and often offers individually customizable tariffs, but without family insurance option. The change between the two systems is also not uncomplicated: a retreat from PKV to the SHI is almost impossible from the age of 55. This information is essential for entrepreneurs to make the right decision and not to get into financial difficulties.

practical workshops and variety of topics

The event also offered the participants a number of workshops that covered important topics for the self-employed: from funding opportunities to IT security and data protection to social media visibility and tax tips were treated. Solo -dependent people were able to collect valuable information here and implement them directly. Expert Wolfram Brehm presented the corresponding IHK services in order to cover the need for support for small business owners.

For more information on the services of the IHK, interested Wiesentbote can visit. You can find additional details on health insurance for self-employed people at [VZHH] (https://www.vzhh.de/themen/gesundheit-patienteschutz/krankenversicherung/ger-krankenkassenbeitrae-fuer-kleine-Kleine- Kleine-Kleine- Kleine- Kleine-Kleine-Selb sevdesk.