In November of each year, the Health Insurance Corporation recalculates the insurance premiums of local subscribers by reflecting the income growth rate of the previous year (interest, dividend, business, labor income, housing rental income, etc.) and the property tax rate increase rate (buildings, houses, land, etc.) long
In this process, dependents are also carefully checked to see if their property and income have increased compared to the previous year, and if they exceed a 'certain standard', their qualifications are disqualified, they are converted to local subscribers, and insurance premiums are imposed from December of that year.
Dependents are people who mainly depend on their children or family members who go to work because they do not have economic power. This is to prevent them from being registered as dependents and receiving insurance benefits without paying insurance premiums, even though they have a certain income or property.
According to the National Health Insurance Corporation today (10th), 500,055 people who were eliminated from dependents and changed to local subscribers as of December 1st due to failing to meet the dependent recognition criteria (income, property, and support requirements) due to the connection of new insurance premium imposition data in November of last year. 1,449 people.
They have to pay an average of 105,000 won per month for insurance premiums that they have not paid in the past.
Looking at them by specific reasons for dropping out, 88.92% (449,450 people) of those who lost their dependent qualifications were found to have been excluded from dependent status because they did not meet the income standard, such as generating business income.
As for detailed income standards, if you have registered as a business, you must have no business income according to the Income Tax Act, and if you have not registered as a business, your business income must be less than KRW 5 million per year.
In particular, all income including business income, financial (interest, dividend) income, public pension income, earned income, and other income must be less than KRW 20 million per year.
The income standard became more stringent during the second-stage reorganization of the income-centered health insurance premium system in September of last year, drastically lowering the annual combined income from less than 34 million won to less than 20 million won. It is solved by influence.
On the other hand, only 2.44% (12,339 people) of the total lost dependents due to changes in the property tax table.
Since this includes cases of property increase through real estate sales and inheritances, it is likely that fewer dependents will lose their dependents simply because of real estate price increases.
During the second-stage reorganization in September of last year, the property standard, which was originally planned to be lowered to less than 360 million won in the property taxation table, was greatly influenced by the current standard (less than 540 million won in the property taxation table) in consideration of the situation where house prices soared during the last government. will be analyzed.
Rather than the property standard, 8.64% (43,660 people) failed to meet the support requirements such as spouse, lineal ascendant/descendant of the employee subscriber, lineal ascendant/descendant of the spouse, sibling (under 30 years old, over 65 years old), etc. There were more.
The number of dependents is decreasing every year.
This is due to the impact of the health authorities strengthening management, such as stricter qualification standards, to reduce the number of dependents who do not pay insurance premiums even though they have economic ability, which harms fairness.
According to the National Health Insurance Service's 'Major statistics on health and long-term care insurance in the first half of 2022', the number of dependents was 19.5 million in 2018, 19.14 million in 2019, 18.6 million in 2020 and 18.6 million in 2021. It decreased to 18.09 million and so on.
As of November 2022, there were 17.54 million people, down to 17 million people.
That's a drop of 2,004,000 in five years.
Correspondingly, the dependency ratio (persons), which refers to the proportion of dependents shouldered by employee subscribers, has also decreased.
It decreased year by year, such as 1.12 in 2018, 1.05 in 2019, and 1.0 in 2020, becoming less than 1 for the first time at 0.95 in 2021.
As of November 2022, it has gone down further to 0.89.
Until 2020, there were more dependents who did not pay insurance premiums than employee subscribers, but for the first time in 2021, employee subscribers outpaced their dependents, and this year the gap has widened.
The NHIS plans to further strengthen management of dependents.
This is part of the measures to seek financial stability, taking into account the reality that there is a concern that the fiscal balance will worsen over time due to the effects of rapid population aging.