Health Insurance Fee Estimator
Estimate health insurance fees with a simplified browser reference tool.
- Finance, tax, salary, and settlement outputs are simple estimates from your inputs. Check official rules or a professional before filing, investing, borrowing, or contracting.
Estimate health insurance fees with a simplified browser reference tool.
Example Health Insurance Fee Estimator result Worker share: 122,020 (health 107,850 + long-term care 14,170) Employer share: 122,020 Monthly total: 244,040 Next step: Use the four social insurance calculator to add pension and employment insurance.
How to use Health Insurance Fee Estimator
Calculates 2026 Korean health insurance and long-term care contributions for employees and splits them between worker and employer.
The 7.19% health rate is shared 3.595% each, and long-term care equals the health premium × 0.9448% ÷ 7.19% (13.14%), also split in half.
- Enter the monthly insured wage excluding non-taxable pay.
- Review the worker share, employer share, monthly total and annual worker cost.
- Use the breakdown to see health and long-term care amounts separately.
Useful for
- Checking payslip health and long-term care deductions against 2026 rates
- Estimating the employer's health insurance cost before hiring
Limits and checks
- The insured wage follows the previous year's pay, and differences are settled every April.
- People with more than KRW 20 million a year of other income may pay an additional income-based premium.
Worked example
Monthly insured wage of KRW 3 million
Monthly insured wage: 3,000,000 Subscriber type: employee
Non-taxable meal allowance is already excluded.
Health and long-term care premiums
Worker share: 122,020 (health 107,850 + long-term care 14,170) Employer share: 122,020 Monthly total: 244,040
Premiums are truncated below ten won.
Common issues
The payslip differs by a few tens of won
Premiums are truncated below ten won, and employers may use the declared insured wage rather than this year's pay.
It differs from a regional subscriber's premium
This tool covers employee subscribers. Regional subscribers are assessed on income and property points.
How to interpret the result
Compare the worker share with the health and long-term care lines on your payslip.
Related workflow
Use the four social insurance calculator to add pension and employment insurance.
Privacy and review notes
The wage you enter is calculated in your browser and stored only in the page address for sharing; ToolBada does not receive it.
Basis and limitations
Basis
- The tool applies user-entered amounts, periods, rates, and selected conditions to the calculation described on the page.
- The displayed result is a reference estimate based on that tool's formula and stated input assumptions.
Limitations
- Actual tax rules, deductions, exchange rates, fees, institution policies, and market prices can change by date and personal case.
- Do not use the output as the final basis for filing, investing, borrowing, contracting, salary negotiation, or legal commitments.
Official check
- Before filing or making financial decisions, verify with official agencies, financial institutions, exchanges, or qualified experts.
References and methodology
- Official external source: Korea National Health Insurance Service — The official source for health-insurance rates, long-term-care premiums, and assessment rules.
- Official external source: FSS Financial Consumer Information Portal — The Financial Supervisory Service portal for final checks on financial products and transactions.
Review scope: We automatically check that the calculation basis and official source links are shown. No licensed medical, legal, or tax professional has reviewed this result individually, so confirm with the responsible agency or a professional before an important decision.
FAQ
What is the 2026 health insurance rate?
The employee rate is 7.19%, paid 3.595% each by worker and employer. The long-term care rate is 0.9448% of income.
What does a KRW 3 million salary pay?
The worker pays 107,850 for health and 14,170 for long-term care, 122,020 a month, and the employer pays the same.
Is non-taxable meal allowance included?
Non-taxable income is excluded from the insured wage, so leave out meal allowance up to KRW 200,000.