{"id":2410,"date":"2013-04-04T16:52:56","date_gmt":"2013-04-04T14:52:56","guid":{"rendered":"https:\/\/valoxy.org\/blog\/?p=2410"},"modified":"2025-07-28T15:29:54","modified_gmt":"2025-07-28T13:29:54","slug":"quest-ce-que-le-rsi-suis-je-oblige-dy-etre-affilie","status":"publish","type":"post","link":"https:\/\/valoxy.org\/blog\/quest-ce-que-le-rsi-suis-je-oblige-dy-etre-affilie\/","title":{"rendered":"Suis-je oblig\u00e9 d\u2019\u00eatre affili\u00e9 au RSI ?"},"content":{"rendered":"<p><strong><span class=\"exergue\">Toute personne qui travaille sur le territoire fran\u00e7ais doit obligatoirement \u00eatre affili\u00e9 \u00e0 un r\u00e9gime de S\u00e9curit\u00e9 sociale<\/span> <\/strong>(g\u00e9n\u00e9ral, agricole, r\u00e9gime sp\u00e9cial comme le RSI,\u2026).<\/p>\n<p class=\"p1\"><div class=\"encadre-style\"> Depuis 2018, la <b>SSI (S\u00e9curit\u00e9 Sociale des Ind\u00e9pendants) <\/b>g\u00e8re directement la protection sociale des ind\u00e9pendants en lieu et place du <b>RSI (R\u00e9gime Social des Ind\u00e9pendants).<\/b><\/p>\n<p class=\"p1\">Concr\u00e8tement, cela signifie que ce sont les caisses du <b>r\u00e9gime g\u00e9n\u00e9ral de la S\u00e9curit\u00e9 sociale<\/b> qui assurent la collecte et la gestion des cotisations. <b>Cela ne remet pas en cause les taux et modalit\u00e9s de cotisations sp\u00e9cifiques aux ind\u00e9pendants.<\/b> Un p\u00f4le d\u00e9di\u00e9 aux ex-affili\u00e9s au RSI existe ainsi dans chaque branche de la S\u00e9curit\u00e9 sociale :<\/p>\n<ul class=\"ul1\">\n<li class=\"li1\">la CPAM pour l\u2019assurance maladie,<\/li>\n<li class=\"li1\">les CARSAT pour l\u2019assurance retraite,<\/li>\n<li class=\"li1\">l\u2019URSSAF pour les pr\u00e9l\u00e8vements sociaux,<\/li>\n<li class=\"li1\">les CGSS pour les ind\u00e9pendants domicili\u00e9s dans les DOM.<\/li>\n<\/ul>\n<p class=\"p2\">Ces p\u00f4les d\u00e9di\u00e9s constituent dor\u00e9navant la SSI. Les mentions RSI de cet article se rapportent donc maintenant \u00e0 la SSI.<span class=\"Apple-converted-space\">\u00a0 <\/span><\/div><\/p>\n<p class=\"p1\"><span class=\"s1\">Valoxy, cabinet d\u2019expertise comptable dans les Hauts de France, explique dans cet article le fonctionnement du RSI.<\/span><\/p>\n<h2><b>Qu\u2019est-ce que le RSI\u00a0?<\/b><\/h2>\n<p><strong><span class=\"exergue\"><a href=\"https:\/\/valoxy.org\/blog\/wp-content\/uploads\/2013\/04\/rsi2.png\"><img decoding=\"async\" class=\" wp-image-5135 alignright\" src=\"https:\/\/valoxy.org\/blog\/wp-content\/uploads\/2013\/04\/rsi2-300x110.png\" alt=\"rsi\" width=\"240\" height=\"88\" \/><\/a><\/span><\/strong><\/p>\n<p class=\"p1\"><span class=\"s1\"><b>Le RSI est <\/b><\/span><span class=\"s2\"><b>l\u2019organisme<\/b><\/span><span class=\"s1\"><b> de collecte des charges sociales, <\/b><\/span><span class=\"s3\"><b>d\u00e9di\u00e9 aux ind\u00e9pendants <\/b>(commer\u00e7ants, artisans et professions lib\u00e9rales, exploitants agricoles ou les micro-entrepreneurs).<\/span><span class=\"s1\"> Il r\u00e9alise la collecte pour le compte des organismes comme la RAM <\/span><span class=\"s4\">(R\u00e9unions des Assureurs Maladie, pour la<\/span><span class=\"s1\"> couverture maladie), l\u2019Organic (retraite) ou l\u2019URSSAF (<\/span><span class=\"s5\">allocations familiales<\/span><span class=\"s1\"> \u2013 CSG, CRDS) pour les <\/span><span class=\"s6\">artisans, commer\u00e7ants<\/span><span class=\"s1\">,<\/span> <span class=\"s1\">et uniquement les cotisations d\u2019assurance <\/span><span class=\"s8\">maladie maternit\u00e9<\/span><span class=\"s1\"> (RAM) pour les professions lib\u00e9rales. Si, dans le cadre de sa mission, le RSI joue bien un r\u00f4le dans le reversement des remboursements dus, il n\u2019est pas l\u2019organisme payeur.<\/span><\/p>\n<h2><b>Le fonctionnement du RSI <\/b><\/h2>\n<p><strong><span class=\"exergue\">Le RSI est compos\u00e9 de plusieurs caisses\u00a0<\/span><\/strong>:<\/p>\n<ul>\n<li>une\u00a0caisse nationale,<\/li>\n<li>28 caisses r\u00e9gionales,<\/li>\n<li>2 caisses sp\u00e9cifiques pour l&rsquo;assurance maladie-maternit\u00e9 des professions lib\u00e9rales (une pour l&rsquo;Ile-de-France et une autre pour les autres r\u00e9gions de m\u00e9tropole).<\/li>\n<\/ul>\n<p>La plupart du temps les interlocuteurs que vous avez d\u00e9pendent des caisses r\u00e9gionales. Leurs missions sont d\u2019immatriculer les assur\u00e9s, d\u2019informer sur le versement des prestations et d\u2019assurer la collecte des cotisations sociales.<\/p>\n<h2><b>Le RSI pour les auto-entrepreneurs<\/b><\/h2>\n<p>Les auto-entrepreneurs, d\u00e9pendant\u00a0 du statut d\u2019entrepreneur individuel (EI) doivent, au m\u00eame titre que les autres statuts juridiques, souscrire au R\u00e9gime Social des Ind\u00e9pendants (RSI) <strong><span class=\"exergue\">et ce m\u00eame s\u2019ils cotisent d\u00e9j\u00e0 \u00e0 un autre r\u00e9gime en tant que salari\u00e9s.<\/span><\/strong><br \/>\nPar cons\u00e9quent :<\/p>\n<ul>\n<li>pour les auto-entrepreneurs \u00e0 temps plein, le RSI per\u00e7oit les cotisations pour le compte de la RAM. Cette derni\u00e8re tient un r\u00f4le identique \u00e0 celui de la CPAM \u00a0pour un salari\u00e9 qui cotise au r\u00e9gime g\u00e9n\u00e9ral d\u2019assurance maladie,<\/li>\n<li>pour un auto-entrepreneur qui est aussi salari\u00e9 d\u2019une entreprise, le RSI collecte les cotisations dues au titre de l\u2019activit\u00e9 d\u2019auto-entrepreneur. Bien que chaque cas soit \u00e0 \u00e9tudier, il est g\u00e9n\u00e9ralement plus int\u00e9ressant de conserver la CPAM comme caisse principale.<\/li>\n<\/ul>\n<h2><b>Comment se r\u00e9partissent les cotisations ?<\/b><\/h2>\n<p>Le RSI collecte l\u2019ensemble des charges sociales obligatoires des artisans et\u00a0 commer\u00e7ants. Pour les professions lib\u00e9rales, le RSI ne collecte que les cotisations maladie maternit\u00e9. Ces cotisations se r\u00e9partissent comme suit :<\/p>\n<h3>La couverture maladie (pour le compte de la RAM) :<\/h3>\n<ul>\n<li>La cotisation d&rsquo;assurance maladie maternit\u00e9,<\/li>\n<li>La cotisation suppl\u00e9mentaire d&rsquo;indemnit\u00e9s journali\u00e8res.<\/li>\n<\/ul>\n<h3>La couverture retraite (pour le compte de l\u2019Organic) :<\/h3>\n<ul>\n<li>La cotisation de l&rsquo;assurance vieillesse du r\u00e9gime de base,<\/li>\n<li>La cotisation au titre de la retraite compl\u00e9mentaire obligatoire,<\/li>\n<li>Et la cotisation au r\u00e9gime d&rsquo;invalidit\u00e9 et de d\u00e9c\u00e8s.<\/li>\n<\/ul>\n<h3>Les cotisations revers\u00e9es \u00e0 l\u2019Urssaf :<\/h3>\n<ul>\n<li>La CSG (Contribution Sociale G\u00e9n\u00e9ralis\u00e9e) et CRDS (Contribution pour le Remboursement de la Dette Sociale,<\/li>\n<li>La cotisation d&rsquo;allocations familiales.<\/li>\n<\/ul>\n<h2><b>Quelles sont les missions du RSI ?<\/b><\/h2>\n<p><strong><span class=\"exergue\">Il assure diff\u00e9rentes missions pour ses affili\u00e9s<\/span><\/strong> dont les principales sont les suivantes :<\/p>\n<ul>\n<li><strong><span class=\"exergue\">L\u2019encaissement des cotisations<\/span><\/strong> et contributions sociales personnelles (d&rsquo;assurance maladie, maternit\u00e9, d&rsquo;allocations familiales, d&rsquo;assurance vieillesse et invalidit\u00e9-d\u00e9c\u00e8s, de la CSG et de la CRDS, et de la contribution formation due \u00e0 titre personnel),<\/li>\n<li><strong><span class=\"exergue\">Le versement des prestations sociales<\/span><\/strong> en collaboration avec les organismes payeurs (remboursement des frais m\u00e9dicaux, cong\u00e9s maternit\u00e9, versement des indemnit\u00e9s journali\u00e8res, \u2026)<\/li>\n<li><strong><span class=\"exergue\">Le versement des pensions de retraite<\/span><\/strong> de base et de retraite compl\u00e9mentaire en collaboration avec les organismes payeurs (except\u00e9 pour les professions lib\u00e9rales, dont la couverture retraite est assur\u00e9e par le CNAFPL qui regroupe les caisses de 10 sections professionnelles dont la CIPAV, la CAVEC, la CNAVPL, la CARMF, \u2026).<\/li>\n<li><strong><span class=\"exergue\">Le recouvrement de la Contribution Sociale de Solidarit\u00e9 des Soci\u00e9t\u00e9s\u00a0<\/span><\/strong>(C3S)<\/li>\n<li><strong><span class=\"exergue\">L&rsquo;action sanitaire<\/span><\/strong> des actifs et des retrait\u00e9s<\/li>\n<li><strong><span class=\"exergue\">Le conseil et l&rsquo;aide au chef d&rsquo;entreprise<\/span><\/strong>, notamment lors de difficult\u00e9s de tr\u00e9sorerie.<\/li>\n<\/ul>\n<p>L<strong><span class=\"exergue\">e RSI est l\u2019interlocuteur social unique des artisans et commer\u00e7ants<\/span><\/strong> depuis 2008. Il n&rsquo;y a donc plus qu&rsquo;un interlocuteur et qu\u2019un \u00e9ch\u00e9ancier de r\u00e8glement pour la collecte des cotisations, <strong><span class=\"exergue\">les cotisations payables au trimestre ou au mois. <\/span><\/strong><span class=\"exergue\"><span style=\"color: #333333;\">Cette solution permet d&rsquo;\u00e9taler le paiement des cotisations appel\u00e9es pendant l&rsquo;ann\u00e9e, ce qui n&#8217;emp\u00eache pas des r\u00e9gularisations (\u00e0 la hausse ou \u00e0 la baisse) parfois importantes <\/span><\/span><span style=\"color: #333333;\">lorsque les acomptes appel\u00e9s ne concordent pas avec le niveau des r\u00e9mun\u00e9rations r\u00e9ellement per\u00e7ues.<\/span> Pour les professions lib\u00e9rales, le RSI n\u2019est pas l\u2019interlocuteur unique puisqu\u2019il ne collecte que la partie maladie-maternit\u00e9 des cotisations.<\/p>\n<p class=\"p1\"><span class=\"s1\">Pour plus d\u2019informations concernant le RSI, consultez \u00e9galement nos articles sur le blog de Valoxy\u00a0:<\/span><\/p>\n<ul class=\"ul1\">\n<li class=\"li3\"><span class=\"s2\"><a href=\"https:\/\/valoxy.org\/blog\/cest-quoi-regime-social-independants\/\"><span class=\"s3\">C\u2019est quoi exactement le R\u00e9gime Social des Ind\u00e9pendants (RSI)?<\/span><\/a><\/span><\/li>\n<li class=\"li3\"><span class=\"s2\"><a href=\"https:\/\/valoxy.org\/blog\/les-cotisations-rsi-25022015avallau\/\"><span class=\"s3\">TNS\u00a0: \u00e0 quoi servent les cotisations RSI\u00a0?<\/span><\/a><\/span><\/li>\n<li class=\"li4\"><span class=\"s4\"><a href=\"https:\/\/valoxy.org\/blog\/artisans-commercants-cotisations-sociales-rsi\/\"><span class=\"s5\">Artisans et commer\u00e7ants: les cotisations sociales du RSI<\/span><\/a><\/span><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Toute personne qui travaille sur le territoire fran\u00e7ais doit obligatoirement \u00eatre affili\u00e9 \u00e0 un r\u00e9gime de S\u00e9curit\u00e9 sociale (g\u00e9n\u00e9ral, agricole, r\u00e9gime sp\u00e9cial comme le RSI,\u2026). Valoxy, cabinet d\u2019expertise comptable dans les Hauts de France, explique dans cet article le fonctionnement&#8230;<\/p>\n","protected":false},"author":1,"featured_media":15441,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5,4],"tags":[],"class_list":["post-2410","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-juridique","category-social-rh"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Suis-je oblig\u00e9 d\u2019\u00eatre affili\u00e9 au RSI ? | Blog Valoxy - Expertise comptable<\/title>\n<meta name=\"description\" content=\"Toute personne qui travaille en France doit \u00eatre affili\u00e9e \u00e0 un r\u00e9gime de S\u00e9curit\u00e9 sociale (g\u00e9n\u00e9ral, agricole, r\u00e9gime sp\u00e9cial comme le RSI).\" \/>\n<meta name=\"robots\" content=\"noindex, 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