Health Insurance Calculator
Enter your monthly salary to calculate the 2026 employee health and long-term care premiums.
2026 employee basis. Health rate 7.19% (your share 3.595%), long-term care 13.14%.
How the 2026 premium is calculated
For an employee, the health insurance premium is built on your monthly remuneration reported to the insurer, not on your take-home pay after deductions. That reported figure is multiplied by the 2026 total health rate of 7.19%, and the result is split evenly between you and your employer, so the share that leaves your paycheck is 3.595%. On top of that sits long-term care insurance, a separate program that funds nursing and home-care support for an ageing population. It is charged as 13.14% of the health premium itself, not of your salary, which is why the two lines always move together on your payslip. Understanding that the base is your reported monthly wage and that two rates stack in sequence is the key to reading the number correctly.
The formula, step by step
- Step 1: Health premium (your share) = reported monthly salary × 7.19% × 50%
- Step 2: Long-term care (your share) = your health premium × 13.14%
- Step 3: Your monthly deduction = health premium + long-term care
- Your employer contributes an equal health share and an equal long-term care share, so the program collects roughly double what you see deducted.
A worked example at a 3,000,000 KRW monthly salary
Suppose your reported monthly salary is 3,000,000 KRW. Your health premium is 3,000,000 × 7.19% × 50% = 107,850 KRW. Your long-term care premium is 107,850 × 13.14% = about 14,171 KRW. Adding them, your monthly deduction is roughly 122,021 KRW. Your employer pays a matching amount on your behalf, so the total flowing to the insurer for your coverage is close to 244,000 KRW per month even though only 122,021 KRW leaves your own pay. Notice that the long-term care line is calculated from the 107,850 KRW health figure, not from the 3,000,000 KRW salary directly; running it against salary would overstate it several times over.
When this calculator is useful
- Reviewing a payslip: if your deduction looks off, recompute it here to see whether the reported salary the insurer used matches what you expected.
- Weighing a job offer or a raise: enter the new gross monthly figure to see how much of the increase disappears into premiums before it reaches you.
- Moving from freelance to employment: employees split the premium with an employer, so seeing the employee-only share helps you compare against what you paid on your own.
- Budgeting: because premiums recur every month and rise with pay, a quick estimate helps you plan take-home cash more realistically.
Common mistakes people make
- Using take-home pay as the base. The premium is calculated from the monthly remuneration reported to the insurer, which is closer to gross pay before deductions, not the amount deposited to your account.
- Confusing the total rate with your share. The 7.19% figure covers both you and your employer; the part actually deducted from you is half, 3.595%.
- Forgetting long-term care stacks on top. It is a second premium, not included inside the 7.19%, and it is measured against the health premium.
- Applying employee rates to a self-employed or retiree situation. Those are billed under a different point-based system entirely.
- Treating the monthly number as final. Premiums are reconciled against actual annual income later, so a mid-year estimate can differ from the settled amount.
Limits and what to verify officially
This calculator gives a clean estimate of the employee share for 2026, but it is not an official assessment. Reported monthly salary has both an upper and a lower cap, so very high earners stop paying more once they reach the ceiling and very low earners are held to a floor; because the exact cap amounts change and are set by the insurer, this tool does not invent them. It also does not reflect the year-end reconciliation, in which the insurer recalculates your premium against your actual income and issues a refund or additional charge. Rates are revised annually, so always confirm you are using the correct base year, shown here as 2026. For your exact billed amount, including caps, reconciliation, and any exemptions, check the National Health Insurance Service or an official payroll statement rather than relying on an estimate.
The salary you enter is calculated only in your browser and is never sent to or stored on a server.
Read the Privacy Policy →Frequently asked questions
What is the 2026 health insurance rate?
The 2026 total employee health rate is 7.19%, split evenly between you and your employer, so the share deducted from your pay is 3.595%. A separate long-term care premium equal to 13.14% of your health premium is then added. Both lines are calculated from your reported monthly salary, but the long-term care part is measured against the health premium rather than the salary.
Why is long-term care charged separately?
Long-term care insurance is its own program that funds nursing and in-home care, so it is billed on top of health insurance rather than folded into it. In 2026 it is collected as 13.14% of your health premium, which is why it appears as a distinct line that rises and falls with the health figure. Because it is based on the health premium and not directly on salary, it is a smaller amount than the health line.
Is the premium based on my take-home pay or my gross salary?
It is based on the monthly remuneration your employer reports to the insurer, which is closer to gross pay before deductions, not the net amount deposited to your bank account. Using take-home pay as the base would understate the premium. If your deduction seems wrong, the reported salary figure is usually the first thing to check.
Does my employer really pay half?
Yes. The 7.19% total is split evenly, so your employer contributes the same 3.595% health share plus a matching long-term care amount. That means the insurer receives roughly double what you see deducted from your own pay. Only the employee half is shown as a deduction on your payslip.
Does this cover the regional plan for the self-employed or retirees?
No. This calculator is for employees whose premium is a percentage of reported wages split with an employer. Self-employed people and retirees on the regional plan are charged through a completely different income-and-asset point system, so the employee rates here do not apply to them. A separate tool is planned for that case.
Is my salary stored anywhere?
No. The calculation runs entirely in your browser, and the salary you type is never sent to or saved on a server. You can close the page and nothing is retained.