Regional Health Insurance Calculator
Estimate the 2026 regional (self-employed/retiree) health insurance premium from annual income and property.
2026 regional basis. Income 7.19%, property points × 211.5 won, 100M deduction, long-term care 13.14%.
How the regional premium is built
Regional (self-employed and retiree) subscribers are assessed differently from company employees. An employee pays only on salary and splits the bill 50/50 with the employer. A regional subscriber is assessed on two separate bases, income and property, pays the whole amount alone, and then has long-term care added on top. In the 2026 basis this tool uses, the income part is charged at 7.19% of monthly income, the property part converts your property tax base (after a 100M-won deduction) into grade points worth 211.5 won each, and long-term care is 13.14% of the combined health premium. The old vehicle charge was abolished after 2024, so a car no longer raises your premium here.
The formula, step by step
- Step 1 - Monthly income = annual income divided by 12.
- Step 2 - Income premium = monthly income x 7.19%.
- Step 3 - Property amount = property tax base minus the 100M-won deduction. If the base is 100M won or less, this is zero and there is no property premium.
- Step 4 - Property premium = grade points (from the point table) x 211.5 won.
- Step 5 - Health premium = income premium + property premium.
- Step 6 - Long-term care = health premium x 13.14%.
- Step 7 - Total monthly premium = health premium + long-term care.
A worked example
Suppose a retiree has 36,000,000 won of annual income and a property tax base of 90,000,000 won. Monthly income is 36,000,000 / 12 = 3,000,000 won, so the income premium is 3,000,000 x 7.19% = 215,700 won. Because the property tax base of 90,000,000 won is below the 100M-won deduction, the property amount is zero and no property premium applies. Long-term care is 215,700 x 13.14% = 28,343 won, giving a monthly total of about 215,700 + 28,343 = 244,043 won. If the same person's property tax base were above 100M won, only the amount over the deduction would be turned into grade points and multiplied by 211.5 won, which would raise the property premium and the long-term care that sits on top of it.
When this estimate matters most
- Leaving a company: when you retire or quit, you usually move from the employee plan to the regional plan. Because you are now assessed on property as well as income and pay the full amount yourself, the premium can change sharply even if your cash income drops.
- Going freelance or self-employed: a new business owner or freelancer with no employer needs to plan for the income premium alone, since there is no company to split it.
- Owning or buying property: because the property tax base feeds the premium, purchasing a home or holding property well above the 100M-won deduction can push the total up even in a year when income is modest.
- Losing dependent status: if you were covered as a family member and your income or property rises past the qualifying line, you may be moved onto your own regional premium.
Common mistakes and misconceptions
- Using the market or published price for property. The premium is based on the property tax base, which is lower than the market price and appears on your property tax bill or at Wetax.
- Assuming the 50/50 split still applies. There is no employer share on the regional plan; you pay 100% of both the income and property premiums.
- Forgetting long-term care. The 13.14% long-term care charge is added to the combined health premium, so it grows whenever either the income or property part grows.
- Still counting a car. The vehicle charge ended after 2024 and is not part of this calculation.
- Expecting the deduction to erase the property premium entirely. The 100M-won deduction only removes the first 100M won of the base; anything above it is still converted to points.
What this estimate does not include
This is a simplified reference figure, not your official bill. It does not reflect income-type rates that treat different income sources differently, the valuation of rental (jeonse or wolse) deposits, household composition, or any exemptions and reductions you may qualify for. Rates, the deduction, and the point table can also change from year to year, so always check the base year, shown here as 2026. For the amount you will actually be charged, confirm with the National Health Insurance Service (NHIS) or its official calculator rather than relying on this tool alone.
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Read the Privacy Policy →Frequently asked questions
Why do employee and regional premiums differ so much?
Employees are charged only on salary and split the bill evenly with their employer. Regional subscribers are charged on both income and property and pay the entire amount themselves, with long-term care added on top. That is why moving from a company plan onto the regional plan after retirement can change your premium significantly.
How is the property premium calculated differently from the income premium?
The income premium is a straight percentage: monthly income x 7.19%. The property premium is not a flat percentage. Your property tax base first has the 100M-won deduction removed, the remaining amount is converted into grade points using a point table, and each point is worth 211.5 won. If your property tax base is 100M won or less, there is no property premium at all.
Where do I find my property tax base?
It is on your property tax bill or available at Wetax. It is not the same as the market price or the published price and is usually lower. In the 2026 basis, a 100M-won deduction is subtracted from this base before the property premium is worked out.
Does owning a car raise my premium?
No. The vehicle-based health charge was abolished after 2024 and is not part of this calculation. Only income and property affect the regional premium here, so selling or keeping a car will not change the figure this tool produces.
What happens to my premium right after I retire?
You generally shift from the employee plan to the regional plan, where you are assessed on income and property and pay the full premium without an employer share. Some retirees may temporarily qualify to keep their employee-based premium for a period, but the rules and eligibility are set by the NHIS, so check directly with them before assuming a lower amount.
Will this match my actual NHIS bill?
Treat it as a reference estimate, not the final number. Your real bill can differ because of income-type rates, rental deposit valuation, household composition, and any exemptions or reductions. Verify the exact amount with the National Health Insurance Service or its official calculator.