kevem

ok i posted a while back as we are self employed but only work 2 or 3 days a week, we are with msa who told s we needed to work 1200 hours a year to be with them, what ever that meant, we have cotesations of alomsot 700 euros every 3 months which is a lot qwhen we also have other bills and taxes to pay. we did not cover the hours last year as i gave birth had a few complications and so kevin could not work the 3 days a week every week. we do not plan on woring more than 3 days as we do not have a mortgae  ect  and did not move hre so kevin had to work and not see the children grow up. we went to see msa today who said we should fgo sign on at job centere and claim rmi. i am not happy with this as do not like ide of getting money for nothing.  what i am asking is what can we do, he is a registered artisan doing gardening, we do not need to be a artisdan as the wok he has is all we need so not looking to get any more work . can he deregister as artisan and just go a a general handyman gardener? do w have to be with msa or can we go with pcpam? what cotesations do we opay cpam if we go with the. i am not after free health care in any way i know i have to pay somebody but surly if we are not working the hours we should not be paying 700 every 3 months or am i wrong. thans emma

not really sure what our options are so will rell you our problem. my husband is registered as a artisan gardener with a micro enterprise. the first year we paid 400 euros for the year and earned 6000 euros , we are with msa. last year in jan we had a meeting with our msa rep who told us in order for us to be with them  with the health and pension we would need to do 1200 hours a year and pay the cotestations. no prob we thought. b4 this we was covered with the e106 newcastle. anyway we paid out 670 euros every 3 months last year as well as tax professionel of 456 euros ansd tax habitiation ect. the problem is we didnt do the hours  and can afford to pay this amount every 3 months.. my husband works 3 days a week but as we dont work every week due to illness holiday ect we will never do the hours, msa have said we have to do the hours. there is no way my husband will be working more thna 3 days a week as we have 2 little kids nd the reason we moved here was to spend time with the family. we get child benefit but other than that do not claim any money even though we r offered it due to havuing a low income. i do not want to sponge from the system and do not expect our health care to be paid for but it is sill that we are getting broke just to pay the cotestations. we do not have a mortgage or any other bills apart from top up insurance and normal direct debits of car insurance ect. would it be beneficial to register as a non professionel. what if we deregister the set up as  just a non pro doing gardening. do all french have to work 5 days a week, what about part time workers do they pay the high cotestations. can we not have our health with cpam and pay them  a amount. do ot care about a pension ect.   thanks for any advice and sorry it was long, also sorry for any spelling and grammer mistakes, wrote in a hurry with a 9 motnh old on me emma