National Health Insurance Corporation Mapo branch. News 1
In the aftermath of the 19% increase in the official price of apartments and apartments, health insurance premiums of 1.27 million households of local health insurance subscribers have risen, and about 20,000 retirees registered as dependents of office workers will pay a new health insurance fee of about 120,000 won per month.
1.27 million households of self-employed people increased
November’s health insurance burden increases
On the 15th, the Ministry of Health and Welfare released the status of changes in health insurance premiums due to the increase in the public housing price. Local health insurance subscribers pay a health insurance fee on income and property. Among local subscribers, those who live cheonsei must also pay the rent for cheonsei. Office workers pay only on income. Because of this, construction fees increase every time according to the fluctuations in the real estate market.
1.27 million households increased by local subscribers
Local subscribers are 8.2 million households. Increasing house prices doesn’t mean your income will rise. Raising the official price does not mean that income will increase. The house price and published price are irrelevant to the will of the owner of the house. There is no choice but to be dissatisfied with the increase in property fees due to the increase in the house price or the official price. The construction fee for this increase in the publicly priced price will be levied in November.
So, this time, the government will reduce 5 million won collectively from the property budget. If the property table (tax standard) is 100 million, it means that the construction fee is charged down to 95 million won. It will be applied temporarily from November this year to June next year.
Among 8.2 million households, 7.3 million households own property or live cheonsei. Among them, 1.271,000 households have higher health care fees. For 2,373,000 households, the health insurance fee is lowered thanks to a 5 million won deduction.
The problem is the rising generation. In Sejong (70.7%), Gyeonggi (24%), Daejeon (20.6%), Seoul (19.9%), Busan (19.7%), and Ulsan (18.7%), which have a high rate of increase in public prices, health care fees are bound to rise by tens of thousands of won.
The quoted price is 70% of the market price, and the tax base, which is based on construction fees, is 60% of the quoted price. For an apartment worth 500 million won, a construction fee is charged at 210 million won. This time, since 5 million won is deducted in a lump, the health insurance fee is charged at 250 million won.
As the disclosure price increased by 28%, the health insurance fee increased by 7%.
For example, the owner of an apartment with a market price of 1.37 billion won (published price of 960 million won) pays a property maintenance fee of 169,000 won per month. If the public price increased by 25% to 1.2 billion won, the health care fee would rise 17,000 won to 186,000 won. Dry health fees increase by 10%. Construction fees are divided into 60 grades of the property tax base. In this case, even if 5 million won is deducted, the grade does not change, so the effect of the deduction measures is not seen.
Assuming that the public price has risen 28% from 780 million won (1.1 billion won) to 1 billion won, the health care fee is now 158,000 won per month. This time, thanks to the 5 million won deduction for the standard taxable amount, the construction fee in November will rise to 169,000 won (178,000 won if the deduction is not applied). The increase rate is 7%.
If the quoted price is lower than this, the increase rate will decrease. For example, let’s say that the public price of 270 million won (market price 390 million won) has risen to 301 million won (market price 450 million won). The monthly health care fee rises from 108,000 won to 113,000 won.
2.37 million households will fall
The property of local subscribers is concentrated in the low section. That is why many people benefit from this tax base deduction of 5 million won. For example, a local subscriber living in a multi-family house with an official price of 78 million won (market price of 110 million won) now pays a monthly construction fee of 4,900 won. If 5 million won is not deducted, the construction fee is 49 million won, the same as now. It goes down to 4400 won while deducting 5 million won.
People who live in a house with a market price of 130 million won now pay 5,900 won for health care. If the deduction is not applied, it will rise to 6,400 won per month, but thanks to the deduction, it will be 5,900 won, which is the same as now.
18,000 dependents were eliminated
The impact of the public price increase affects not only local subscribers, but also dependents of workplace subscribers. To be a dependent, you have to meet the criteria for property ratings. ▶If the tax standard is 540 million won (published price of 900 million won) to 900 million won (published price of 1.5 billion won) and annual income exceeds 10 million won or ▶ the taxation standard exceeds 900 million won (published price of 1.5 billion won), it will be eliminated.
With this measure, 18,000 dependents exceed the standard and are eliminated. If you drop out, you become a local subscriber. If you become a local subscriber, you must pay not only the income construction fee, but also the property construction fee and the automobile construction fee.
The 18,000 dropouts will pay an average of 238,000 won for new health care in November. However, the government cuts by half to alleviate the sudden burden. On average, you have to pay 119,000 won per month.
Health insurance premiums have risen every year due to the rise in real estate prices, but this time, the public price has risen much higher than in the previous year, increasing the burden on local subscribers. In particular, the dissatisfaction of those who drop out of the dependents increases. As for the dependents, 29% of them are over the age of 60.
Welfare reporter Shin Seong-sik [email protected]
