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Last year, 10.11 million office workers received an increase in salary, and paid an average of 210,000 won in additional health insurance premiums.

Seoul National Health Insurance Corporation Jongno Branch

(Seoul = Larose.VIP) Reporter Seo Han-ki = Office workers, who had received a ’13-month bonus’ early this month through year-end tax settlement of last year’s earned income or, conversely, had mixed joys and sorrows due to a ‘tax bomb’, are now settling health insurance premiums every April. Again, we experience the intersection of light and dark.

Office workers whose income has increased due to wage increases last year must pay additional health insurance premiums that they did not pay, but office workers whose income has decreased due to salary cuts, etc., will receive back the health insurance premiums that they paid more.

According to the National Health Insurance Corporation on the 14th, based on Articles 69 and 70 of the National Health Insurance Act, year-end tax settlement of health and long-term care insurance premiums is made for employed subscribers every April.

As a preliminary work for this, on January 26th, the National Health Insurance Corporation asked employers at each workplace across the country to prepare a ‘Total Remuneration Notification’ stating the total amount of remuneration (income) paid to workers in 2023 and the number of months worked and submit it by March 10th. Guided.

Year-end settlement of insurance premiums for employed subscribers refers to the process of charging or returning the difference between the premium for 2023, which was first charged based on the total compensation of the previous year, and the fixed insurance premium calculated based on the total compensation actually received in 2023, on the insurance premium for April 2024.

During the settlement process, office workers whose income increased last year due to an increase in salary, salary increase, or promotion must pay more health insurance premiums.

Conversely, office workers whose income has decreased due to a wage cut or other reasons will receive a refund of their health insurance premiums.

The National Health Insurance Corporation explained, “The year-end tax settlement of health insurance premiums is to pay the amount that had to be paid in the previous year according to the actual compensation, and does not impose new insurance premiums. It has been implemented since 2000 to accurately charge insurance premiums according to income.” .

Settlement insurance premiums are defined as deferring the health insurance premiums that had to be paid last year until April of the following year and paying them later, which is different from the health insurance premium increase where the premiums are raised uniformly.

Once the settlement process is completed, the National Health Insurance Corporation plans to notify the employee subscriber’s insurance premium for April as well as the settlement insurance premium that reflects last year’s change in compensation.

You can apply to the Corporation by March 10th to pay the settlement insurance premium all at once or change the number of installments to 10 or less. Unless you apply separately, payment in 10 installments is automatically applied.

If the settlement insurance premium is less than 9,890 won, it must be paid in a lump sum.

Last year, 10.11 million people whose salaries and other compensation increased paid an average of about 210,000 won additionally per person. On the other hand, the 3.01 million people whose compensation was reduced received an average of about 100,000 won back per person.

The 2.87 million people whose compensation did not change did not have their health insurance premiums separately settled.

The reason why the National Health Insurance Corporation settles health insurance premiums in such a cumbersome manner is to ease the administrative burden on businesses.

An office worker’s health insurance premium is calculated by multiplying the monthly compensation amount (salary) for the current month by the insurance premium rate, so if the monthly compensation amount for the current month changes due to an increase or decrease in wages or salary, the health insurance premium must also change.

To achieve this, workplaces must report to the National Health Insurance Corporation each time the monthly compensation of their executives and employees changes, which inevitably increases the burden of health insurance on the workplace.

For this reason, since 2000, the National Health Insurance Corporation has been charging workplace health insurance premiums based on the total remuneration of the previous year first, and is going through a settlement procedure to recalculate the insurance premium according to the total remuneration actually received in April of the following year.

However, as health insurance premiums are settled shortly after the year-end settlement of earned income, office workers who have to pay additional settlement insurance premiums are bound to feel dissatisfied. This is the background to the ‘health insurance premium bomb’ controversy every April.

shg@yna.co.kr

Report to KakaoTalk okjebo 2024/02/14 06:01 Sent

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