How to calculate health insurance premiums in 2026? Understand the level gap, dependents’ additional insurance, and supplementary premiums at once
How much is the monthly deduction for health insurance? This article breaks down the 2026 health insurance premium calculation formula: insurance amount range × 5.17% × self-payment 30%, and up to 3 dependents are counted; it also sorts out the six major withholding items and deduction thresholds of the supplementary premium 2.11%, and combines it with actual trial calculation examples and common scenarios to understand the health insurance premiums on the salary slip.
💡 This guide is compiled and proofread by Mark Liu. The rates and grade intervals are subject to the latest announcement from the National Health Insurance Agency. The content will be continuously updated as the system adjusts.
Table of Contents
1. Calculation formula of health insurance premiums: three-party sharing
Formula:Insured amount × 5.17% × 30% × (1 + number of dependents)
The "insured amount" here is not the actual salary, but the amount corresponding to your monthly salary according to the National Health Insurance Administration's step table (see the next section for details). The first time I looked at my payslip, I was confused: the monthly salary was clearly 39,000, but the health insurance premium was calculated in steps of 40,100. Sorry, it wasn’t the company that deducted the wrong number, but the jump in the step.
2. Insurance amount range: why the amount deducted does not match the monthly salary
-
If The Monthly Salary Falls Within The Grade Range, It Will Be Calculated Based On The Insurance Amount Of That Grade Range.
-
When Salary Increases Cross The Grade Point, Health Insurance Premiums Will Change Accordingly.
-
The Grade Table May Be Adjusted Annually With The Basic Salary, Subject To Announcements From The National Health Insurance Administration
-
It Is Illegal For An Employer To Underreport The Insurance Level And Will Affect Your Rights And Interests In Labor Insurance Benefits. If You Find It, You Can Report It.
Tip
- If you want to know which bracket you fall in, the official website of the National Health Insurance Department has the latest "Insurance Premium Burden Amount Table", or you can directly enter your monthly salary into the health insurance premium calculator on this website.
3. Actual trial calculation: an office worker with a monthly salary of 40,000
Paid out of pocket: 40,100 × 5.17% × 30% ≈ 622 yuan/month
If one dependent (such as a non-working spouse) is insured, it is 622 × 2 = 1,244 yuan. The employer has to bear 60%, and the average number of dependents is 0.58. The actual burden is much higher than that of employees. This is why some companies emphasize the "total employment cost" when discussing salaries.
| Monthly salary (insured amount) | Pay by yourself/month | Jiabao 1 dependent | Jiabao 2 dependents |
|---|---|---|---|
| 30,300 | 470 | 940 | 1,410 |
| 40,100 | 622 | 1,244 | 1,866 |
| 60,800 | 943 | 1,886 | 2,829 |
| 100,000 (step interval 101,100) | 1,568 | 3,136 | 4,704 |
Important Notes
The above is an estimate based on a 5.17% rate. The actual amount is subject to the insurance premium burden table announced by the National Health Insurance Agency.
4. Dependents insurance: up to 3 people are counted, who is more cost-effective?
If both husband and wife are working, the spouse with the "lower insured amount" will save more money: for the same child, the spouse with a monthly salary of 35,000 will save hundreds of dollars per month than the spouse with a monthly salary of 80,000. I actually did some calculations for my family and moved their two children from the high-income family to the low-income family for insurance, saving nearly 5,000 yuan a year. This is a detail that many dual-income families do not notice.
Tip
- For dependent transfer, you only need to apply to the company's human resources or insurance unit, and there is no fee.
- During the period of unemployment, you can put it in the name of your spouse or immediate family member, or go to the district office to apply for insurance based on your regional population status.
5. Supplementary premium 2.11%: 6 major items and deduction thresholds
-
Attention Stock Depositors: 2.11% Will Be Deducted For A Single Dividend Of Over Rmb 20,000. Diversifying Shareholdings Or Collecting Dividends In Batches May Be Lower Than The Threshold.
-
Fixed Deposit Owners Can Split Large Deposit Orders So That The Single Interest Rate Is Less Than 20,000 To Avoid The Deduction Point
-
The 4-Month Threshold For Bonuses Is A "Cumulative System", And Bonuses Received During The Year Will Be Included Together.
| project | Deduction threshold | common situations |
|---|---|---|
| High bonus | The accumulated insurance amount exceeding 4 months in the current year | Years with particularly high year-end bonuses and performance bonuses |
| Part-time salary | Basic salary in one payment | Part-time job, part-time job, delivery |
| Execution business income | A single amount of more than 20,000 yuan | Case acceptance, lecturer fees, manuscript fees |
| Dividend income | A single amount of more than 20,000 yuan | Cash dividends recorded |
| interest income | A single amount of more than 20,000 yuan | Receive fixed deposit interest in one lump sum |
| rental income | A single amount of more than 20,000 yuan | Landlord collects rent (when paying to legal person) |
Important Notes
The supplementary premium system has been discussed many times in recent years (such as changing interest dividends to annual settlement), and the rules may change. Please refer to the latest announcement from the National Health Insurance Agency before filing.
6. How to protect freelance workers and those without an employer
-
If You Are Affiliated With A Professional Union: Calculated Based On The Insurance Amount Declared By The Union, You Will Pay 60% Out-Of-Pocket (Higher Than The Employee’S 30%, But Including Labor Insurance)
-
Dependent In The Name Of Spouse Or Immediate Family Member: Pay 30% Of The Other Party’S Insured Amount, Usually The Most Economical
-
Insurance Coverage For The Population In The District Office Area: Fixed Premiums, Those With No Income From Work Can Apply For Subsidies
Tip
- In the early stages of receiving a case when your income is unstable, first assess whether the dependents are eligible. This is usually the cheapest legal option.
7. Do the math
Key Takeaways
- 1 Health premium formula: insured amount × 5.17% × 30% (employee’s self-pay ratio) × (1 + number of dependents)
- 2 A maximum of 3 dependents will be included in the calculation, and no additional fee will be charged if the number exceeds 3.
- 3 Supplementary premium 2.11%: 6 major items: bonus, part-time job, business execution, dividends, interest, and rent
- 4 Supplementary premiums will only start to be deducted when the accumulated bonus exceeds the insured amount for 4 months.
- 5 The actual amount is calculated fastest by using the health insurance calculator. The actual amount is subject to the announcement of the National Health Insurance Department.
Related Links
Enter your monthly salary and number of dependents to instantly calculate your monthly health insurance deductible
Another major deduction from the paycheck: Labor insurance deductible and grade gap calculation
One-click conversion of annual salary, monthly salary and hourly salary
Basic concepts of social insurance and commercial insurance
Related Quick Guides
2026 AI Investment Complete Guide: Industry Chain Analysis, Taiwan and US Stock ETF Recommendations, Risks and Three Strategies
How to enter the AI investment market? This article contains a panoramic view of the AI industry chain, 6 major concept stocks in Taiwan stocks, recommendations for Taiwan and US stock ETFs, 3 strategies (conservative/sound/active), 6 major risks and pitfalls
2026 Complete Guide to Oil Price Trends: International Oil Price Trends, Taiwan Oil Price Mechanism and Fuel Saving Strategies
In 2026, international oil prices will fluctuate violently due to the situation in the Middle East. A complete analysis of oil price trends, Taiwan's floating oil price mechanism, China Petroleum's absorption policy and practical fuel-saving tips.
2026 Complete Guide to Side Business Income: 12 Popular Side Businesses, Selection Process and Tax Filing Practices in the AI Era
What side jobs can still make money in the AI era? This article contains a comparison of 12 popular side hustles in 2026, the selection and decision-making process, time management skills, side hustle tax practices, and the judgment of switching from a side hustle to a full-time job.
General Disclaimer
The information provided on this site is for reference only. We do not guarantee its completeness or accuracy. Users should determine the applicability of the information on their own.