NHI premium calculator: salary, dependents and supplementary premium (2026)
Enter salary, enrollment category and dependents to estimate monthly NHI premiums, plus the supplementary premium.
Monthly premium
| You and your dependents You + 0 dependents, NT$710 each | 710 |
| Employer or insuring unit | 2,216 |
| Government | 369 |
| Total monthly premium for this enrollment | 3,295 |
Employer and government shares include the average of 0.56 dependents per insured person, so the three parts do not add up to insured amount × rate.
Supplementary premium
Chargeable amount NT$50,000 × 2.11%
The payer withholds the supplementary premium at the time of payment. Low-income households are exempt; lower-middle-income households and some other groups are exempt on single payments below the minimum wage.
Not in force and not included here: the supplementary premium reform (on 6 November 2025 the Ministry of Health and Welfare said it had paused the contested plan).
Basis: 健保署「保險費計算與繳納」公式與釋例 、 健保署「投保金額分級表（115.01.01 生效）」 、 健保署「保險費負擔比率」 、 健保署「保險費負擔金額表（三）受僱者適用」115 年 1 月 1 日起實施 、 健保署「補充保險費計費項目與上下限」 。Rules as of 2026-11-10。
Estimates only：Figures follow the published rules and are not medical, legal or financial advice. Actual benefits, copayments and premiums are decided by the long-term care management centers, the National Health Insurance Administration and other competent authorities.
What do the numbers mean?
In 2026 the general premium rate is 5.17% and the supplementary rate 2.11%. Employees pay 30%, employers 60% and the government 10%; an employee earning NT$45,800 with no dependents pays NT$710 a month.
The insured amount is not your salary: NHI uses a 58-grade table and takes the nearest grade not below your pay.
Each dependent enrolled with you costs one more share of your own premium, up to 3.
Employer and government shares are computed on 1 + the average of 0.56 dependents regardless of your household, so the three parts do not sum to insured amount × rate.
How is the premium calculated?
- Your premium = insured amount × 5.17% × your share, rounded to the dollar, then multiplied by (you + dependents). This is the published method; we checked it against all 58 grades of the 2026 employee table.
- Shares: employees 30% (employer 60%, government 10%); civil servants 30% (agency 70%); private school staff 30% (school 35%, government 35%); employers and the self-employed 100%; union members 60% (government 40%); farmers and fishermen 30% (government 70%); regional enrollees 60% (government 40%).
- Regional enrollees pay on the average premium of NT$1,377: NT$826 per person per month.
- Supplementary premium = chargeable amount × 2.11%. Dividends, interest, rent and professional income are charged on single payments of NT$20,000 or more; part-time wages from the minimum wage of NT$29,500; bonuses only above 4 times the insured amount for the year; capped at NT$10 million per payment.
- Not included: fully subsidised groups such as low-income households, county premium subsidies, and the supplementary premium owed by employers.
データの出典
- General premium rate 5.17%： 健保署「保險費計算與繳納」公式與釋例 （2025-12-23） 、 健保會第 7 屆 115 年第 1 次委員會議議事錄：行政院 114 年 12 月 31 日核定 115 年度一般保險費率維持 5.17%、補充保險費率維持 2.11% （2026-01-21）
- Supplementary premium rate 2.11%： 健保署「補充保險費計費項目與上下限」 （2023-11-29） 、 健保會第 7 屆 115 年第 1 次委員會議議事錄：行政院 114 年 12 月 31 日核定 115 年度一般保險費率維持 5.17%、補充保險費率維持 2.11% （2026-01-21）
- Grading table: 58 grades, NT$29,500 to NT$313,000 (effective 1 January 2026)： 健保署「投保金額分級表（115.01.01 生效）」 （2025-12-17）
- Average dependents 0.56 (since 1 January 2024)： 健保署「保險費計算與繳納」公式與釋例 （2025-12-23） 、 健保署「保險費負擔金額表（三）受僱者適用」115 年 1 月 1 日起實施 （2025-12-11）
- Regional population: average premium NT$1,377, self-pay NT$826： 健保署「保險費負擔金額表（七）地區人口適用」（110 年 1 月 1 日起實施，官網現行版） （2024-05-23）
- Contribution shares (employees 30/60/10, etc.)： 健保署「保險費負擔比率」 （2023-11-29） 、 全國法規資料庫《全民健康保險法》 （2023-06-28）
- Supplementary thresholds and cap (NT$20,000 and NT$10 million per payment; bonuses above 4×)： 健保署「補充保險費計費項目與上下限」 （2023-11-29） 、 全國法規資料庫《全民健康保險法》 （2023-06-28）
Rules as of 2026-11-10
Frequently asked questions
What is the NHI premium rate in 2026?
The general rate is 5.17%, unchanged since 1 January 2021, and the supplementary rate is 2.11%. What changed for 2026 is the grading table: with the minimum wage rise, the first grade is NT$29,500 from 1 January 2026.
How are dependents charged?
Each dependent pays the same share as the insured person, collected from the insured, up to 3 dependents. An employee insured at NT$45,800 pays NT$710; with two dependents the total is three times that.
How do I enroll without a job?
You can enroll as a dependent of a working spouse or direct relative. Otherwise enroll at your district office as regional population, at NT$826 per person per month.
How much is withheld from dividends?
A single dividend payment of NT$20,000 or more is charged 2.11% at source; smaller payments are not charged, and the part above NT$10 million is excluded. A NT$50,000 dividend has NT$1,055 withheld.
Will the supplementary premium move to annual settlement?
Not yet. On 6 November 2025 the Ministry of Health and Welfare said the reform was still under study and that contested parts were paused. The National Health Insurance Act was last amended on 28 June 2023 and still charges at source per payment.
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