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.