Joining an EPS as an independent contractor in 2025: How much it costs and how to do it step by step

Every person must be linked to the General Social Security Health System (SGSSS), whether as a formal employee, independent contractor, or beneficiary.

For employees with employment contracts, the company is responsible for registration and deducting 4% of the monthly salary to cover health insurance.

For independents, the situation is different: they must directly assume their pension and health contributions.

The Ministry of Health specifies that the monthly contribution is equivalent to 12.5% ​​of declared income. Based on the 2025 minimum wage, set at $1,423,500 , the mandatory contribution amounts to $177,937 each month, according to El Espectador.

Payment is made through PILA and can be supplemented with the occupational risk contribution (ARL), which is voluntary unless required by a contractor.

The Ministry clarifies that some EPSs may charge additional fees for specific services or for the inclusion of additional beneficiaries.

The process begins with the selection of an EPS, taking into account the coverage and services offered.

The worker must then complete a membership form with personal information such as name, ID number, and contact information.

Once the required documentation and certifications have been submitted, the EPS reviews the application and confirms affiliation, which may take a few days.

Independents have several alternatives to fulfill their contributions.

Payment can be made electronically through PSE or banking applications, assisted at authorized banking institutions, or by automatic debit from a previously authorized bank account.

*This content was written with the assistance of artificial intelligence, based on publicly available information released to media outlets. It was also reviewed by a journalist and an editor.

DIGITAL REACH EDITORIAL