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Health Insurance Calculator
Calculate NHI premiums including dependent coverage
Input Data
NHI charges a maximum of 3 dependents
Results
Dependent Coverage Details
Employer Contribution Explanation
Employer bears 60%, calculated with average 0.58 dependents
Enter insured salary to see results
NHI Premium Rate Explanation
| Item | Description |
|---|---|
| General Insurance Rate | 5.17% |
| Employee Contribution | 30% of premium, maximum 3 dependents |
| Employer Contribution | 60% of premium, with average 0.58 dependents |
| Government Subsidy | 10% of premium |
| Dependent Limit | Maximum 3 charged, 4th person onward is free |
* The above rates are 2026 standards. Actual amounts are subject to NHI Administration announcements.
FAQ
健保費怎麼算？我每個月要繳多少？
受僱者的公式是：投保金額 × 5.17% × 30% × (本人 + 眷屬人數)。5.17% 是一般保險費率，30% 是受僱者自付比例。投保金額不是實際薪水，而是對照投保金額分級表的級距，所以薪水在同一級距內浮動不會改變保費。
眷屬也要繳健保費嗎？最多算幾個人？
眷屬沒有自己的投保單位時會跟著被保險人計費，每一位眷屬都是一份保費，但最多計收 3 人，第 4 人起免費。所以眷屬 5 人和眷屬 3 人繳的錢是一樣的。
什麼收入要另外繳二代健保補充保費？
補充保險費率 2.11%，常見的六類是高額獎金、兼職薪資、執行業務收入、股利、利息與租金。原則上單次給付達 20,000 元才起扣，未達門檻不計收。它跟每月的一般保費是分開計算的兩件事。
自付額、雇主負擔和政府補助怎麼分？
以一般受僱者來說，保費由三方分攤：受僱者負擔 30%、雇主負擔 60%、政府負擔 10%。雇主那 60% 是以平均眷口 0.58 人計算，不是按你實際的眷屬人數。
Financial Disclaimer
The results of this tool are for reference only and do not constitute investment advice. Actual values may vary due to financial institution policies, interest rate changes, and individual circumstances. Please consult a professional financial advisor before making any financial decisions.