Premiums

System, determination, and change of insurance premiums

1. System of Premiums
2. How to calculate insurance premiums
3. Determination of insurance premiums
4. Changes in insurance premiums
5. Notice of determination and change of insurance premiums to insured persons aged 75

6. Period limit for determining the imposition of premiums

Delivery date of insurance premiums Payment method (in the case of normal collection)

1. Monthly insurance premiums
2. Delivery date of insurance premiums
3. Start of payment of insurance premiums
4. Payment method Insurance Premiums

How to calculate the amount of insurance premiums when transferred from outside Yokohama City

Reduction and reduction of insurance premiums

1. Reduction in the per capita rate of insured persons for low-income households
2. Reduction of per capita rate for pre-school children (from FY2022)
3. Reduction of income percent pertaining to the head of household who is insured of households with children (from FY2022)
4. Reduction of premiums for childbirth insured persons (prenatal and postpartum reduction) (from January 2024)
5. Reduction of insurance premiums, etc. (when payment is difficult due to disaster, unemployment, bankruptcy, etc.)
6. Reduction of National Health Insurance premiums due to the establishment of a medical system for elder senior citizens (formerly reduced dependents)
7. Measures to reduce the burden of involuntary unemployment

In case of late payment of insurance premiums

1. Sending dunning notices, notices (pre-seizure notices), etc.
2. Procedure of arrears
3. Delinquent disposal (seizure of property)
4. Non-payment of those who have obtained permission to stay

National Health Insurance premiums are calculated for insured persons in same household.
The insurance premium for each type (medical care, support, nursing care) is calculated for each insured person of the household, and the sum is the household premium.
The premium will be announced in the “National Health Insurance Premium Decision Notice” or “National Health Insurance Premium Notice”, and the head of the household will be charged the premium for all insured persons in the household. Even if the head of the household is not an insured person of the National Health Insurance, if there is an insured person of the National Health Insurance in the same household, the premium calculated only for the insured person will be charged to the head of the household according to laws and regulations. Will be charged and sent to the head of the household according to law.

The premium is the sum of the "insured person's per capita rate" and "income per capita amount".
The “insured person per capita rate” is the sum of the insurance rates according to the number of insured persons.
"Income percent" is calculated by multiplying the standard gross income amount for each insured person (to the page of glossary) by the insurance rate.
The insurance premium rate is determined by the number of all insured persons in Yokohama and the amount of income based on the total premium (the insurance premium for Yokohama City as a whole).
The total amount of insurance premiums is calculated from the amount required to pay the National Health Insurance operating expenses payment (* 1) to be paid to Kanagawa Prefecture, excluding the transfer of the insurer support system (* 2) and the transfer of municipal expenses. Thing.
※1 National Health Insurance operating expenses payment is the expenses paid by municipalities to prefectures for the operation of National Health Insurance.
※2 The insurer support system is a system borne by the country, prefecture, and city to ease the burden of insurance premiums.

◎Insurance rates
To the insurance rate page

[Image of insurance premium calculation]

★Details of the base gross income
To base gross income (page of terminology)

◎How to determine the insurance rate
Go to the page "How to determine insurance rates"

（１） For those aged 40 to 64 (The Long-term Care Insurance No. 2 insured), the premium for nursing care is calculated in the National Health Insurance premium.
（２） Those who are admitted or hospitalized at specific facilities (exempt facilities) stipulated in the Nursing Care Insurance Law Enforcement Regulations, etc. are not eligible for the The Long-term Care Insurance No. 2 insured person, so care insurance premiums are charged There is no charge. If you are admitted, hospitalized, or discharged or discharged from the facility, be sure to notify the ward office of Insurance and Pension Division National Health Insurance Section.

Premiums are determined on a household basis.
In mid-June every year, insurance premiums from April of that year to March of the following year are determined and notified for each household, based on the number of insured persons and income status. When making a decision, it is calculated that you will continue to take out National Health Insurance until March of the following year.

After determining the amount of insurance premium, if the amount of insurance premium is recalculated for the following 1-9 reasons, we will notify you with the "National Health Insurance Premium Amount Notice".

1. If you have newly joined or stopped National Health Insurance
2. When the number of insured persons for calculating premiums has increased or decreased
3. When there is a change in the income status of the insured for calculating premiums
4. When the reduction rate of the insured person's per capita rate is changed
5. If you become an insured person in The Long-term Care Insurance (40 years old)
6. When you become an insured person under the medical system for elder senior citizens (in principle, you become 75 years old)
7. When the insured person's card number (insurance card number) changes
8. When the amount of insurance premium normally collected is changed due to a change in payment method, etc.
9. When the payment method is changed to special collection or normal collection

※If there is an insured person in the household who has reached the 40th birthday, the burden of nursing care will be incurred in addition to medical care and support, so the insurance premium will be recalculated after the 40th birthday. We will inform you by the “National Health Insurance Premium Notice”.

The premium amount of the previous delivery date will not be changed, and the premium amount after the delivery date will be increased evenly.

(In the case of fund transfer or payment form payment)
The premium amount of the previous delivery date will not be changed, and the premium amount after the delivery date will be reduced evenly. However, if the premium cannot be reduced solely after the due date, the premium will be reduced in order from the final delivery date.

The premium is recalculated according to the number of months the insured has taken out National Health Insurance.
As a result of the recalculation, if the premium amount after recalculation is higher than the sum of the previous delivery date, the difference will be charged as the premium amount for the delivery date coming in the future.
In addition, if the premium after calculation is small, the difference will be reduced in order from the premium on the last delivery date of the premium before the change.

※If there is a fraction of less than 100 yen, we will summarize it in the first delivery date that will come.
※2 If the amount you have paid so far is greater than the amount you should pay, in principle, we will return the overpaid premium by the method of bank transfer.
Please refer to the “National Health Insurance Premium Refund (Appropriation) Notice” sent separately for the insurance premium to be returned.

By March of the following year, the amount of insurance premiums for the current fiscal year for insured persons who will be 75 years old (insured by the medical system for elder senior citizens) will be enrolled in the National Health Insurance once until March of the following year. We calculate as thing and will tell by "national health insurance premium decision letter of advice".
After turning 75 (after joining the medical system for elder senior citizens), calculate (re) the amount of insurance premiums for the number of months you actually subscribed to, and "Notice of National Health Insurance Premium Amount" Will be announced again.

Premiums cannot be determined after two years have elapsed since the day following the delivery date of the first premium in the relevant year.
Please note that insurance premiums may not be reduced if notification of stopping National Health Insurance or declaration of income is delayed. .

In the case of special collection from pension, please refer to the page "Special Collection of National Health Insurance Premiums from pension".

Premiums must be paid monthly (10 times a year) from June to March of the following year.

Annual insurance premium divided by 10 times = 1 payment amount

For example, if the annual insurance premium is 150,000 yen, the insurance premium paid at one time will be 15,000 yen.

150,000 yen / 10 times = 15,000 yen

※If the premium for April and May is calculated, it will be included in the premium for the June term and later. For example, “July term” refers to the amount of insurance premiums paid on the end of July out of the insurance premiums for the relevant fiscal year, not the amount of insurance premiums for July.

Premiums must be paid monthly (10 times a year) from June to March of the following year.
Insurance premiums are an important source of revenue for maintaining the system. Please be sure to pay within the deadline.
If payment is not made after the deadline, a reminder letter will be sent to inform you that it has not been paid. In addition, after the deadline specified in the dunning letter, arrearages will be added according to the number of days from the day after the designated deadline to the date of payment.
The due date of insurance premiums is the last day of each delivery month. (If it is a holiday for financial institutions, it will be the next business day.)

Insurance premiums must be paid from the month of becoming an insured person (stopping the insurance you had previously enrolled) (not from the month of notification). If your registration is delayed, you will have to pay back. In addition, if you stop National Health Insurance, the premium will be up to the month before the month you stopped. Please submit the report as soon as possible.

In principle, payment of Yokohama City National Health Insurance premium is made by fund transfer.

On the next fund transfer day, the premium will be deducted from the registered account. In addition, in the case where the insurance premium has been changed retroactively before the previous fiscal year, the transfer may be made in April or May.
Normally, the transfer date is the 29th of each delivery date month, but if it falls on a holiday for financial institutions, the previous business day will be the transfer date.

◎About application for fund transfer and payment window of premium

To the page of "Payment of City Tax, National Health Insurance Premium, etc."

<After completing the procedure>
We send "news of National Health Insurance premium payment method" from ward office. Please check the scheduled delivery date, debit account, etc. Until fund transfer starts, please pay at financial institutions with payment notice. (It is not possible to retroactively deduct insurance premiums before starting fund transfer.)

If you do not use direct debit, we will send you a payment slip. When you receive the payment slip, please pay at the financial institution or convenience store by the stated deadline.

※1 Except for some households, not only the “payment notice for the June term”, but also the “payment notice for all payments in advance (for the June term from June to March)” that allows you to pay the annual premium in a lump. A total of two copies will be enclosed in the “National Health Insurance Premium Decision Notice” sent in June. If you pay the annual premium (for all periods) in advance, use only the “payment notice for all payments” and discard the “payment notice for the June term”.
In addition, if there is a change in the number of households or income, additional payment slips may be sent or refunded.
●About households whose head of household is 65 years or older
In the case of payment notice payment, if it corresponds to "requirements for special collection (to related page), special collection will be made from October. In that case, even if the entire term is paid in advance, special collection will be performed, so the "payment notice for all term advance payment" is not enclosed. In the case of special collection, we will notify you in late July by "National Health Insurance Premium Notice".
●About household targeted for former dependent reduction of taxes of last year
This year as well, the tax exemption will be applied, and the premium amount from July to March may change. Therefore, the “Payment Form for All Advance Payment” is not enclosed. In the case of reduction of taxes, we will notify you in late June by "Notice of Reduction of Exemption Approval Decision". If you would like to pay in advance for the full term, please contact the ward office Insurance and Pension Division National Health Insurance Section.
※2 Payment slips are sent in the middle of the “month to send”.
※For households whose insurance premiums have changed due to changes in the number of members or income status in the middle of the third fiscal year, we will send you a payment notice after the change at any time. Therefore, in the event that the insurance premium has been changed retroactively before the previous year, a payment slip may be sent in April or May.

◎Payments at convenience stores
To the page of "Payment of Convenience Stores for National Health Insurance Premiums"

The amount of income, which is the basis for calculating premiums, is determined in Address as of January 1 of each year. Therefore, in the case of those who have been transferred from outside Yokohama City, the ward office will inquire the local government in Address as of January 1 about their income status and calculate the insurance premium amount.
Until there is an answer from the local government of the inquiry, the income percent cannot be calculated, so once only the insured person's per capita rate is charged and the insurance premium amount is calculated again based on the answer to the inquiry. If the amount of insurance increases or decreases, we will notify you again using the "National Health Insurance Premium Notice".

When calculating the amount of insurance premiums, for households that fall below the income standard stipulated by laws and regulations, 70%, 50% or 20% of the insured person's per capita rate will be reduced for each of medical, support and nursing care. To do.
Whether or not it corresponds to the reduction of the insured per capita rate is determined by the following criteria.

※1 Among the heads of the household and all insured persons belonging to the household (including those belonging to specified same household), certain salary earners (those whose salary income exceeds 550,000 yen) and public pension income earners (those who earn more than 600,000 yen or those who are 65 years old or older who earn more than 1.25 million yen in public pensionpension).
(Note) The bold part in the table is calculated only when the number of salaried employees is two or more.
About household where there is one where income situation is unknown, we cannot reduce. For those who did not have any income in the previous year or two years before, or who have received only tax-exempt income such as pension, benefits, old-age welfare pensions for reasons of disability or death, please submit the “Municipal Tax / Prefectural Tax Declaration Form” or “National Health Insurance Income Statement”.

　The per capita rate for preschoolers who take out National Health Insurance is reduced by 50%. In addition, for households that fall under the above-mentioned low-income households' per capita rate reduction system, the per capita rate after the reduction will be further reduced by 50%, so the per capita rate for preschoolers will be reduced by 70%. It will be reduced by 8.5% for households reduced by 50%, and 60% for households reduced by 20% (from the 2022 premium). However, even if the per capita rate of preschoolers is reduced, if the annual premium of the household still reaches the maximum limit, the maximum limit will be the premium amount.

For households with insured persons under the age of 19, we will reduce the National Health Insurance premium of the head of household who is insured.　
[Target persons]
The head of the household who has taken out National Health Insurance as of the due date (* 1) and whose insured (* 2) under the age of 19 who has income of 480,000 yen or less belongs to the same household .
※1 April 1 of the relevant year. Provided, however, that if you have acquired National Health Insurance qualification on or after April 2 of the relevant fiscal year, the date of qualification acquisition
※Insured persons who meet any of the following conditions
　　① Those under the age of 19 as of December 31 of the previous year
　　② The total income of the previous year of the relevant year is 480,000 yen or less
[Reduced contents]
We deduct the following amount from standard gross income amount of householder and calculate income percent of premium. In addition, the amount to be deducted shall be limited to the standard gross income amount of the head of household. In addition, even if the amount of income percent is reduced, if the annual premium of the household still reaches the maximum limit, the maximum limit will be the premium amount.
1. 330,000 yen per insured person under 16 years of age
2. ¥120,000 per insured person aged between 16 and under 19
　※If the base gross income is 0 yen, it will not be eligible for reduction.

If there is a childbirth insured in the household, the national health insurance premium pertaining to the childbirth insured will be reduced for the maternity period.
[Target persons]
National Health Insurance insured persons (birth insured persons) who gave birth (delivery of 85 days or more of pregnancy (including stillbirth, miscarriage, premature birth, and abortion))
[Reduced contents]
Birth insured during the pre- and post-natal period (from the month before the month to which the expected date of birth (or the date of birth) belongs (three months before the case of multiple pregnancy (twins, etc.)) to the month following the expected birth month) Reduce insurance premiums pertaining to In addition, even if the premium for the maternity insured during the maternity period is reduced, if the annual premium for the household still reaches the maximum limit, the maximum limit will be the premium amount.

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[Procedure]
Attach a certificate (*1) to the registration form National Health Insurance Co., Ltd. (in the case of mailing, attach a copy) and submit it to the Insurance and Pension Division office where you live or mail it to the Insurance and Pension Division office where you live. registration form can be submitted six months prior to the expected date of birth.

◎Please check here for frequently asked questions and the style of registration form.

System for reducing premiums for childbirth insured frequently asked questions and answers (PDF: 1,012KB)

National Health Insurance Childbirth Insured Person registration form (PDF: 474KB)

（※１）
・When submitting a notification before giving birth, one of the following:
　Maternal and Child Health Handbook (in the case of mail, attach a copy of the "cover" and "page describing the expected delivery date"), a certificate issued by a medical institution, and other documents that can confirm the expected delivery date
・When submitting a report after giving birth, one of the following:
　Maternal and Child Health Handbook (in the case of mail, attach a copy of the “Cover” and “Birth Notification Certificate” column), certificates issued by medical institutions, etc., other documents that can clarify the date of childbirth and parent-child relationship
・In the case of stillbirth, etc.
　Maternal and Child Health Handbook (in the case of mailing, attach a copy of "cover" and "state of childbirth"), a certificate issued by a medical institution, and other documents that can clarify the date of stillbirth and parent-child relationship

If you are having difficulty paying insurance premiums due to a disaster or other circumstances, you may be entitled to a reduction in insurance premiums. If necessary, we may check your income and assets. For more information, please contact your ward office Insurance and Pension Division National Health Insurance Section.

If the insured person such as social insurance shifts to the medical system for elder senior citizens, the dependents (65 to 74 years old) have enrolled in National Health Insurance, You may be eligible for a reduction in dependents.
The old dependent exemption is exempted only for two years from the month when the premium equivalent to half the per capita rate of the dependent person was enrolled, and the income rate is reduced in full for the time being. Will be reduced.
When you receive the exemption for the first time, you must apply. In addition, following the previous year, those who fall under this reduction will be sent a separate “National Health Insurance Premium Reduction Exemption Approval Decision Notice” from late June. For more information, please contact your ward office, Insurance and Pension Division National Health Insurance Section.

If you are unemployed due to bankruptcy or dismissal of a company and are a qualified recipient of employment insurance or a unemployed employee for a specific reason, the National Health Insurance premium may be reduced. Please ask Insurance and Pension Division National Health Insurance Section, the ward office of your ward, such as required documents.

◎Overview of the System
Information on measures to reduce the burden due to involuntary unemployment (PDF: 757KB)

Insured person eligible for National Health Insurance exception registration form (PDF: 115KB)

Premiums have each deadline specified by the ordinance, and if payment cannot be made by the deadline, a reminder will be sent according to the regulations of the ordinance. In addition, you may receive a notice (pre-seizure notice).
※For those who have not paid, you may receive a phone call to confirm payment.

If you do not pay by the specified deadline of the dunning letter, you will be charged a late payment fee.
※Calculation of arrears
It is the amount calculated by multiplying the number of days from the day after the designated deadline of the dunning letter to the payment date by the rate specified in the regulations.
(Yokohama City National Health Insurance Ordinance, Article 20-2, etc.)

If there is a delinquency of insurance premiums, we will investigate the property. (Article 141 of the National Tax Collection Act).
As a result of the investigation, if a property that can be used for insurance premiums is found, property such as deposits and savings, salaries, life insurance, etc. may be seized without warning as a delinquent disposal based on the law. (Article 47 of the National Tax Collection Act).

Please note that renewal of the period of stay may not be permitted if there is a delinquency of insurance premiums.