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A, a private business owner in her 50s who lives in Gyeyang-gu, Incheon, has a monthly health insurance premium of 98,000 won as of this month.
It is about 22.5% higher than the monthly premium (43.6630 won) that was paid last year.
Insurance premiums for local subscribers are recently adjusted to reflect changes in income (interest, dividends, business, earned income, etc.) under the Income Tax Act each November and changes in the tables of property (building, dwelling, land, etc.) under the Local Tax Law. Compared to the previous year, business income has increased and the property table has also increased. In addition, 2.35 million won of home rental income, which had not paid insurance premiums, was counted as the first income subject to construction insurance. This is because, according to the “reorganization of the income-oriented health insurance premium system” that took place last August, a health insurance fee is also imposed on rental income from homes of less than 20 million won annually as of November.
This year, property fluctuations will increase due to rising prices for real estate, such as apartments, and the average monthly premium per household for local health insurance underwriters, including the self-employed, will increase by 8,245 won starting of this month.
This is because, as of November, a landlord with more than 900 million won or two owners, etc., has been charged a construction fee for their rental income of less than 20 million won for the year. past. As a result, insurance premiums increased for 2.58 million households (33.5%), whose income and properties increased compared to the previous year, out of the total of 7.71 million households in the region.
The National Health Insurance Corporation announced on November 23 that it will be charged from November reflecting income attributable to 2019 (interest, dividends, business, earned income, etc.) and data on changes in the property table of this year (building, house, land, etc.) to the insurance premiums for the local affiliated households. .
The Corporation calculates the health insurance premiums for local subscribers by scoring income and property, and for this purpose, the change in income under the Income Tax Law and the change in the property table under the Local Tax Law. they are reflected every November. In principle, the premium calculated in this way will be maintained for the next year.
As a result of calculating by reflecting the rate of increase in income attributable to 2019 (11.04%) and the rate of increase of property (6.57%) in 2020, the insurance premium for local subscribers in November increased by 8,245 won (9.0%) per household on average from the previous month. In fact, only 2.58 million households (33.5%), whose income and properties increased compared to the previous year, of the 7.17 million households in the region, have increased their premiums.
However, because income and property fluctuations are different for each regional subscriber, premiums do not increase for all regional subscribers. There are several local subscribers whose premiums don’t go up or down and stay the same or go down. The insurance premiums of 3.67 million households (47.6%) unchanged in the income and property table are unchanged. Insurance premiums for 1.46 million households (18.9%), which have decreased in the income and property tables, will decrease.
The standards for the imposition of health insurance rates, revised in August, will apply from this month, and insurance premiums may be affected. Starting in November, insurance premiums are also taxed on separate taxable financial income and separate taxable home rental income (total of 20 million won per year or less), that is, income whose income from Total interest and dividends exceed 10 million to 20 million won per year. Why. Until now, home rental income and finance income exceeding 20 million won per year have been subject to construction fees.
For example, B, a pensioner in his 80s residing in Seongdong-gu, Seoul, will have a slight increase in health insurance of 3,350 won (1.1% compared to the previous month) starting in November. As of last October, a monthly insurance premium of 30,5050 won was paid, but the property table increased compared to the previous year, and a separate taxable house rental income of 3.6 million won was added. Instead, Mr. B was able to receive an exemption (13,470 won) as a long-term rental business. If you do not sign up for a lease, you will have to pay the full amount of the increase in rental income, but if you sign up for a short term rental (4 years), you can receive a 60% reduction in the increase in the construction fee and 80% if it is registered for a long period (8 years).
The health care rate for November expires December 10. If your income has decreased due to the suspension or closure of the business, or if your property has been sold, you can adjust your insurance premium by preparing documents such as a retirement / layoff certificate, proof of income amount, and a certified copy of the registration and requesting the adjustment in the branch of the nearest industrial complex.
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