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A, a private business owner in her 50s who lives in Gyeyang-gu, Incheon, will increase her monthly health insurance premiums by 9,090 won starting this month.
It is about 22.5% higher than the monthly premium (43.6630 won) that was paid last year, so you have to pay 53.4720 won every month for at least one 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 property (buildings, houses, land, etc.) according to 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, in accordance with the reorganization of the income-oriented health insurance premium collection system, carried out in August, a health insurance fee is also imposed on income from rental homes of less 20 million won per year since November.
Real estate fluctuations will increase this year due to rising real estate prices, such as apartments.
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, the insurance premiums of 2.58 million households (33.5%), whose income and properties increased compared to the previous year, of the total of 7.71 million households in the region, increased by at least 20,000 won.
The National Health Insurance Corporation announced on November 23 that it will be charged from November reflecting the income attributable to 2019 (interest, dividends, business, earned income, etc.) and the change data of the property table of this year (building, housing, land, etc.) to the insurance premiums for homes in the region. .
The Corporation calculates health insurance premiums for local subscribers by scoring income and property, and for this purpose, changes in income under the Income Tax Law and changes in the property table under the Tax Law. Locals are reflected every November. In principle, the premium calculated in this way will be maintained for the next year.
As a result of the calculation, when 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 compared to the previous month. In fact, only 2.58 million households (33.5%), whose income and properties increased compared to the previous year, of the 7.71 million households in the region, have increased their premiums.
However, because income and property fluctuations are different for each regional subscriber, they do not increase the premiums for all regional subscribers. There are several local subscribers whose premiums don’t go up or down and stay the same or go down. For 3.67 million households (47.6%) unchanged in the income and property table, the premium also remains 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 (rental income from homes totaling 20 million won or less per year), that is that is, income whose total interest and dividend income exceeds 10 million won 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 by 3,350 won (1.1% from the previous month) starting in November.
Until last October, monthly insurance premiums of 30,5050 won were paid, but the property table increased compared to the previous year, and a separate taxable home rental income of 3.6 million won was added.
Instead, Mr. B was able to receive exemption benefits (13,470 won) as a long-term rental business. If you do not register for a lease, you must pay the full amount of the increase in rental income, but you can get a 60% reduction in the increase in construction fee for short-term rental registration (4 years ) and 80% for long-term rental registration (8 years).
The health care rate for November is due December 10. If your income has decreased due to the suspension or closure of 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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