Health Insurance Calculator South Korea

Key Features of the Health Insurance Calculator

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  Workplace Subscriber Calculation — Enter your monthly salary and the calculator applies the current 7.09% contribution rate, split evenly between you and your employer. Your share — 3.545% — is what gets deducted from your paycheck. The tool also computes the long-term care insurance add-on at 12.81% of the health insurance amount, giving you the complete deduction figure that appears on your pay stub.
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  Community Subscriber Estimation — For self-employed individuals and others not covered through an employer, the calculator estimates premiums using the NHIS point-based system. Input your income, property values, and vehicle information. The tool assigns points to each factor according to the current NHIS schedule and converts total points into a monthly premium. While the exact result may vary slightly from the NHIS assessment — which can consider additional factors — the estimate is close enough for planning purposes.
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  Long-Term Care Premium Breakdown — The 장기요양보험 premium is often bundled into health insurance statements without explanation. This calculator separates it clearly, showing the base health insurance amount and the long-term care surcharge as distinct line items. You see exactly how much goes toward healthcare coverage and how much funds elderly care services.
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  Dependent Impact Analysis — Workplace subscribers can register dependents — spouse, parents, children, and siblings who meet certain income and age criteria — without paying additional premiums. The calculator lets you add dependents to see that your premium does not change. For community subscribers, however, adding household members can affect the point calculation. The tool models both scenarios so you understand the financial impact of dependent registration under each subscriber type.
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  Reduction and Exemption Eligibility — Certain groups qualify for reduced premiums. Residents of rural areas, recipients of basic livelihood benefits, newly employed young adults, and people on leave from work may be eligible for reductions ranging from 22% to 50% of the standard premium. The calculator flags common reduction categories and adjusts the estimate accordingly when applicable.
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  Year-Over-Year Comparison — Health insurance rates change annually. The calculator stores recent years of rate data so you can compare your 2023 premium against your 2024 premium at the same income level. This helps you isolate the impact of rate changes from the impact of income changes and see how much more — or less — you are paying due to policy adjustments alone.

How to Calculate Your Health Insurance Premium

1. 1

   Determine Your Subscriber Type

   Your subscriber type dictates the calculation method. If you are employed at a company, government agency, or other organization that withholds social insurance premiums, you are a workplace subscriber (직장가입자). Your employer handles enrollment and premium payment. If you are self-employed, unemployed, or otherwise not attached to a workplace that provides coverage, you are a community subscriber (지역가입자). Foreign residents who have lived in Korea for six months or more — or who hold a visa type that triggers immediate enrollment — are assigned to one of these categories based on their employment status. Select the correct type in the calculator before proceeding, because the formulas differ substantially.

2. 2

   Enter Your Income Information

   For workplace subscribers, enter your monthly remuneration — the figure your employer reports to the NHIS, which includes base salary, regular bonuses, and fixed allowances. Irregular bonuses and overtime are typically excluded from the monthly figure but may be subject to a separate year-end reconciliation. For community subscribers, enter your annual income from all sources — business income, rental income, interest, dividends, and pensions. The NHIS converts this into a monthly figure and assigns income-based points. Income is the single largest factor in the community subscriber calculation, but it is not the only one.

3. 3

   Add Property and Asset Details for Community Subscribers

   If you are a community subscriber, the calculator also needs information about your assets. Enter the assessed value of real estate you own — the figure used is the publicly assessed standard price (공시지가 or 공시가격), not the market price. Vehicle ownership matters too — the NHIS assigns points based on the vehicle's displacement and age. Financial assets above certain thresholds contribute additional points. The exact point schedule is published annually by the NHIS and the calculator uses the current schedule. Workplace subscribers can skip this step entirely — their premium is based solely on income.

4. 4

   Calculate the Base Premium and Long-Term Care Add-On

   For workplace subscribers, the math is direct: multiply your monthly remuneration by 7.09%, then divide by two for your personal share. A monthly salary of 4,000,000 KRW produces a total premium of 283,600 KRW — your share is 141,800 KRW. The long-term care premium is 12.81% of that health insurance amount: 141,800 multiplied by 0.1281 equals approximately 18,163 KRW. Your total monthly deduction is roughly 159,963 KRW. For community subscribers, the calculator converts total points into a premium using the per-point rate set by the NHIS — currently around 208.4 KRW per point — then adds the same 12.81% long-term care surcharge.

5. 5

   Check for Applicable Reductions or Caps

   Several reduction rules may apply to your situation. If you are on unpaid leave, your premium may be reduced by up to 50% during the leave period. Young employees aged 34 or younger who earn below a certain threshold may qualify for a reduction during their first years of employment. Community subscribers whose income is below the median and who own minimal property may qualify for a reduced rate. There is also an upper cap on premiums — no individual pays above the maximum monthly premium set by the NHIS regardless of income. The calculator applies these rules and shows you the adjusted amount alongside the standard amount so you can see the discount clearly.

Expert Tips for Managing Health Insurance Costs

Related Tools

Health insurance premiums are one of the largest deductions from your income, yet they are often treated as an opaque line item on a pay stub. The Salary After Tax Calculator shows how health insurance fits into the full stack of deductions — alongside national pension, employment insurance, and income tax — so you can see the true gap between your gross salary and the amount that arrives in your bank account. The Monthly Salary Calculator helps you determine the exact monthly remuneration figure that the NHIS uses as its premium base, which matters if your compensation structure includes irregular bonuses or variable pay. And the Pension Calculator rounds out the picture by estimating your other major social insurance cost. When you run all three deductions side by side, you gain a clear understanding of the total social insurance burden on your income — and the protections you receive in return.