Individuals can opt to pay voluntary Class 3 National Insurance contributions to fill gaps in their contributions record. For 2026/27, the rate of voluntary Class 3 National Insurance contributions rises from £17.75 per week to £18.40 per week.
Where an individual is eligible to pay voluntary Class 2 National Insurance contributions instead because they have profits from a self-employment which are below the small profits threshold, this is a much cheaper option.
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