I don't know how to use the National Health Insurance premium reduction simulation site...
This article summarizes how to use the Solo Concierge "simulation site."
How to use the simulation site
The usage is very simple, but we will look at it using the following conditions for clarity.
・30 years old
・Married male
・Wife is a full-time housewife with no income
・One 5-year-old child
▶Click here for the simulation site
① Enter your age
First, enter your age.
② Enter information about National Pension
You should be paying about 17,000 yen per month for the National Pension per person. If you have not applied for an exemption, please check "YES."
③ Enter your National Health Insurance premium
If you have kept past payment slips or receipts, you can check them there.
※ If you do not know your National Health Insurance premium
If you do not know your premium, please rest assured.
You can calculate your approximate National Health Insurance premium using the following three methods.
1. Check your final tax return from the previous year.
2. Multiply your total income from the previous year by 10%.
3. Multiply your current payment amount by 10.
Pattern 1. Check your final tax return from the previous year.
* If you are paying into the National Pension Fund, that amount is included, so let's exclude it from the calculation.
For example, if the social insurance premium deduction column shows 700,000 yen, then 900,000 - 400,000 (for the couple's pension) = 500,000 yen.
Your National Health Insurance premium would be approximately 500,000 yen.
Pattern 2. Multiply your total income from the previous year by 10%.
It is said that National Health Insurance premiums are about 10-15% of income. Therefore, if you are okay with a rough simulation, calculating it as 'Income x 10%' can also be a useful reference.
For example, if your total income is 5 million yen:
5,000,000 x 10% = 500,000 yen
Your National Health Insurance premium would be approximately 500,000 yen.
However, please note that this calculation method of multiplying by 10% varies greatly depending on the municipality (there is a large difference between expensive and cheap municipalities), so please use it only as a guide.
Pattern 3. Multiply your current payment amount by 10.
National Health Insurance payment slips are characterized by having a different number of installments depending on the region. (Although some places have 5 installments, 9 or 10 installments is common in most regions.)
Since many municipalities pay in 10 installments, if you have a rough idea of your monthly National Health Insurance premium, please try multiplying it by 10.
Once you have figured out your National Health Insurance premium using one of the 3 patterns, let's move on to the next step!
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④ Enter spouse information
In this example, we will proceed by checking 'Yes'.
⑤ Enter spouse's pension
Here, we will determine whether your spouse can be included as a dependent.
* Example of a spouse's case
If your spouse is a blue return family employee and:
The family employee salary is less than 1.3 million yen per year
⇒ 'YES'
The family employee salary exceeds 1.3 million yen per year
⇒ 'NO'
If your spouse works part-time and:
Annual income is less than 1.3 million yen
⇒ 'YES'
Annual income is less than 1.3 million yen but they are enrolled in social insurance at their workplace
⇒ 'NO'
Annual income is less than 1.3 million yen but they are not paying National Pension (exempt)
⇒ 'NO'
Since various cases like this are expected, please feel free to contact us if you have any questions^^
⑥ Simulation results
In this example, the result was an annual savings of approximately 380,000 yen in National Health Insurance premiums + National Pension premiums!
The above is how to use the simulation site and how to check your National Health Insurance premiums.
If you get a result that shows even a slight reduction, we recommend taking action early.
There is also the benefit of increasing your future pension amount by enrolling in Employees' Pension Insurance.
Also, if you have already paid your National Health Insurance premiums or pension in advance, there is a high possibility that you can get a refund.
If you have any questions at all, please feel free to contact us.
▶Click here for a free consultation
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Well then!