Personal contribution, lower income and incorrect information
What is happening in your situation?
First check which scheme your letter concerns. A letter about your personal contribution may require a different response than an invoice or a message about your health insurance premium.
Ask your question in the chat You are reading information from Juridisch Antwoord. This is not a website of CAK.
What is happening in your situation?
Expand your question for a brief answer and a targeted next step.
My income has become lower
For a personal contribution, income from an earlier year may be taken into account. Find out whether an adjustment is possible. The same conditions do not apply to the Wmo and Wlz; for the Wmo, your municipality's minimum-income policy plays a role.
The details or contribution are incorrect
Reporting incorrect healthcare details or requesting an adjustment may fit your question. If you disagree with a decision, also review the objection route. Keep the response deadline in mind.
I have been registered for health insurance premiums through the CAK
If you disagree with the registration by your health insurer, contact that insurer. The CAK distinguishes between registration and the way you pay.
Related guidance
Related guidance
Have these ready
Prepare your next stepFill in and save · Word
Tick what you have checked or collected. Note what is missing and take your overview to a meeting.
Unless saved in My overview: Your entries stay only on this screen. Download before leaving; closing or reloading clears them. Do not enter identity numbers, passwords or unnecessary personal details.
What do you still need for your next step?
Item 1 / 3 · Where do you stand with this item?
The scheme stated at the top of your letter
This overview follows your own answers. It does not assess your rights or guarantee that your file is complete.
Your choices stay here. Use the buttons below if you want to save or download.
View all details, notes and timeline
Your timeline and evidence
List events and contacts. Note where you keep the evidence; no upload is needed.
What goes in my timeline?
Record what happened, when, the response and where to find the letter, message or photo. Mark uncertain dates.
Is my evidence sent?
No. You only note where it is kept. No files are uploaded or sent automatically.
How do I save my timeline?
Your entries are not saved automatically. Choose Save and continue later to store this preparation, including your timeline, in My overview. Wait for confirmation and save new changes again. You can also download a Word file without an account.
Up to 20 events. Choose a different position for an event to change the order.
0 / 3 · Checked or collected
For each event, note the date, what happened and where the evidence is kept. Example: 3 October — letter received — correspondence folder.
Describe the solution you would like, such as an explanation of a deduction and repayment of the outstanding amount.
For example: which document is missing, who can provide it and what should I do first?
Record the date and its source. If unknown, note this and check promptly. This tool does not calculate or monitor deadlines.
After your conversation
These are your own notes. Confirm agreements with the other person; these notes do not prove their agreement.
This is your preparation, not a submitted request, objection or legally reviewed document. A tick records only your own progress. Check the procedure and deadline in the original letter.
Save and continue later
Clear entries
Download anything you want to keep first. Clearing cannot be undone.
- The scheme stated at the top of your letter
- The decision and any invoices
- The income or healthcare details that you believe differ
Note the date by which you must respond. If you are unsure about the deadline, seek help in time and do not wait only for a response in the chat.
Describe your question without your BSN, bank account number or other unnecessary personal information.Legal adviser or lawyer experienced in CAK cases
Ask about experience with the specific healthcare scheme and personal contributions. Not every healthcare question concerns the same area of law.
Discuss experience with your subject, availability and costs. Also ask about possible assistance through your legal expenses insurance or state-funded legal aid.
You complete your application on our website. We assess your request for assistance and look for a suitable partner. You do not need to choose a profession or firm. An application is not yet an engagement.Does your question also concern another authority?
Sources and review of this explanation
This initial explanation was reviewed on 4 October 2026. The official pages mentioned set out the conditions and current next steps. The date does not automatically apply to other articles we link to.
Our working method