Enter your annual income and total property tax base to estimate your 2026 regional health insurance premium, long-term care premium, and estimated total monthly payment.
Enter your annual income and property tax base to estimate your regional health insurance premium.
This calculator is a simplified reference simulation of the premium formula for regional (self-employed) subscribers under the Enforcement Decree of the National Health Insurance Act. Since the September 2024 assessment reform, the vehicle score was abolished, so the premium is the sum of an income premium and a property premium only. The income premium equals annual income × the 2026 income premium rate of 7.19% ÷ 12 when annual income exceeds ₩3.36 million, and ₩0 when it does not exceed that threshold. The property premium is calculated by subtracting the ₩100 million basic deduction from your total property tax base (including 30% of any jeonse/monthly-rent deposit), converting the result into an assessment score using the 60-tier property score table in Appendix 4 of the Enforcement Decree, and multiplying that score by the 2026 rate of ₩211.5 per point. The combined health premium is then clamped between the 2026 household cap of ₩4,591,740/month and floor of ₩19,780/month, and adding the long-term care premium (13.14% of the health premium in 2026) gives the estimated total monthly payment. In practice, wage and pension income are counted at a reduced 30% rate, the property tax base is separately assessed based on official (published) property values, and various exceptions apply (e.g. for dependent minors), so your actual billed premium may differ. Check your exact premium via the National Health Insurance Service's 4 Major Social Insurance premium calculator (nhis.or.kr) or customer service (1577-1000). This is a rough reference estimate only, not a billing guarantee, legal advice, or financial advice.
Korean National Health Insurance charges self-employed individuals and others not covered as a workplace subscriber (called "local subscribers" or 지역가입자) a premium based on both income and property, unlike workplace subscribers who pay based on salary alone — reflecting a broader assessment of overall financial capacity for those without a clear single wage figure. This tool estimates your monthly premium based on your annual income and total assessed property value.
Income-based premium applies the standard income premium rate to your annual income, while property-based premium is calculated by converting your property value (including 30% of any jeonse/monthly rent deposit) into a "score" using the government's 60-tier property score table, then multiplying that score by a fixed won-per-point rate — the two components are added together for your base health insurance premium, subject to a household minimum and maximum cap, and long-term care insurance (currently 13.14% of the calculated health insurance premium) is added on top for your total monthly payment.