Health Insurance Voluntary Continuation Calculator

Health Insurance Voluntary Continuation Calculator helps estimate Korea-related health insurance or contribution pressure from income and premium assumptions.

Voluntary continuation inputs

Voluntary monthly

₩183,032

₩6,589,152 over 36 months.

Regional monthly

₩90,925

₩3,273,300 over 36 months.

36-month saving

₩0

Verdict: REGIONAL_BETTER.

Monthly difference

-₩92,107

Positive means voluntary continuation is cheaper.

Compares Korean retiree voluntary-continuation health insurance with regional subscriber premiums using the same 36-month limit, 12-of-18-month eligibility test, 50 percent reduction, regional property and income scoring, and rural discount. This English calculator calls the same pure tax calculation function used by the Korean page. Inputs and labels are translated; the formula is not replaced by a generic value-times-rate stub.

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Health insurance voluntary continuation calculator

This page translates the Korean voluntary-continuation health-insurance guide for retirees and compares it with regional subscriber premiums using the same eligibility and 36-month saving logic.

Eligibility and premium

A retiring employee generally needs at least 12 employee-insured months during the 18 months before retirement to apply for voluntary continuation. The Korean calculator keeps this 12-of-18-month test separate from the premium comparison.

The voluntary continuation premium applies the 7.19 percent health rate to the capped average monthly salary and then applies the 50 percent voluntary-continuation reduction. Long-term care insurance is added at 13.14 percent of the reduced health premium.

Regional comparison

The regional side evaluates pension income at 50 percent, includes financial income only above KRW 10 million, includes business and other income at 100 percent, and subtracts the KRW 100 million property base deduction before property scoring.

The regional minimum premium in this voluntary-continuation model is KRW 19,780 per month. Rural residence can apply a 22 percent discount to the regional health premium before long-term care is added.

Reading the decision

The calculator compares monthly voluntary continuation with monthly regional premium and projects the difference over the 36-month maximum continuation period. A positive difference means voluntary continuation is cheaper in this model.

Do not decide from salary alone. A retiree with low salary but high property can still benefit from continuation, while a retiree with low property and low income can sometimes be better as a regional subscriber.