Korean Health Insurance Premium Calculator 2026
Calculate your Korean national health insurance premium. Enter your monthly salary (employee) or annual income (self-employed) to see your monthly premium including long-term care.
Health Insurance Premium Calculator
Gross monthly salary (annual incl. bonuses ÷ 12)
2026 Rate Reference
Health insurance rate7.19%
Long-term care rate0.9448%
Employee share (Employee (직장))50%
LTC premium = health premium × 13.14%
Tips to Save on Health Insurance
- •Employees split premiums 50/50 with their employer.
- •Registering as a dependent avoids separate premiums (family member's plan).
- •Self-employed premiums consider property and vehicles, not just income.
- •If annual income is under 20M KRW, consider registering as a dependent.
- •Check for annual premium refunds from NHIS each year.
Actual premiums may vary. Contact the NHIS for precise amounts.
How this is calculated
- Applies to
- 2026년 기준 (2026-01-01 인상 반영)
- Source
- 국민건강보험공단
- Formula
- 직장가입자 본인부담 = 보수월액 × 7.19% ÷ 2 · 장기요양보험료 = 건강보험료 × 13.14%
- Worked example
- Input 보수월액 300만원 → Result 건강보험 107,850원 + 장기요양 14,171원 = 122,021원 (본인부담)
- What this calculator does not cover
- 직장가입자는 사업주가 절반을 부담합니다 — 이 계산기의 본인부담은 전체의 50%입니다
- 보수 외 소득이 연 2,000만원을 넘으면 소득월액 보험료가 추가로 부과됩니다
- 지역가입자는 소득·재산·자동차 점수제라 실제 부과액과 차이가 큽니다
- 피부양자 자격 요건은 이 계산기가 판정하지 않습니다
Last verified: 2026-09-06 · Tell us if a value looks wrong
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Korean National Health Insurance Overview
Korea's National Health Insurance Service (NHIS, 국민건강보험공단) provides universal health coverage. All residents — Korean nationals and registered foreigners alike — must enroll as either an employee (직장가입자) or self-employed (지역가입자) subscriber.
2026 Rate Summary
| Category | Rate | Your Share | Employer Share |
|---|---|---|---|
| Health Insurance (Employee) | 7.19% | 3.595% | 3.595% |
| Long-term Care | 13.14% of health premium | 50% | 50% |
| Health Insurance (Self-employed) | 7.19% | 100% | — |
For Foreigners in Korea
- Foreign employees are enrolled automatically and pay the same rates as Korean workers
- Foreign residents on D/E/F visas must also enroll after 6 months of stay
- Coverage includes outpatient, inpatient, dental (partial), and prescription benefits
- Contact the NHIS at 1577-1000 or nhis.or.kr for enrollment details