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 works
Unlike employees, regional subscribers are charged on both income and property. The income premium is monthly income × 7.19%; the property premium takes the property tax base minus a 100M-won deduction, converts it to points via a grade table, and multiplies by 211.5 won per point. Long-term care (13.14%) is added to the health premium. The vehicle charge was abolished after 2024 and is not included.
Formula
- Income premium = (annual income ÷ 12) × 7.19%
- Property amount = property tax base − 100M won (deduction)
- Property premium = grade points × 211.5 won
- Health premium = income premium + property premium
- Long-term care = health premium × 13.14%
- Total = health premium + long-term care
Good to know
- The property tax base is on your property tax bill or at Wetax (differs from the published price).
- Rental deposits, income-type rates, and exemptions are not reflected in this simplified tool.
- Rates, deductions, and the table can change — check the base year (2026).
The income and asset figures you enter are calculated only in your browser and are never sent to or stored on a server.
Read the Privacy Policy →Frequently asked questions
Why do employee and regional premiums differ?
Employees are charged on salary only and split it with the employer. Regional subscribers are charged on both income and property and pay it all themselves, so retiring onto the regional plan can change your premium.
Where do I find the property tax base?
On your property tax bill or at Wetax. It differs from the published or market price. From 2026 a 100M-won deduction is applied before calculating.
Is a vehicle included?
No. The vehicle health charge was abolished from 2024 and isn't included here — only income and property.
Does this match my actual bill?
It's a reference estimate. The real bill varies with income-type rates, rental valuation, exemptions, and household composition — confirm with the NHIS.