Many people are mistaken that your monthly health insurance premium （社会保険料） increases when you have the government issue health insurance certification cards （健康保険被保険者証） for your dependents （扶養者）. Introduced earlier in ”figuring out you’re your social insurance premium” the amount of monthly health insurance premium deducted from your paycheck is computed based solely on your compensation using a ”table”. The number of family members you claim as dependents and have the government issue health insurance certification card has no effect. Good news so far, but the government recently began taking actions to periodically reassess whether the dependents you claimed for your health insurance purposes really qualify as dependents.
Under the Health Insurance Law （健康保険法） and interpretations by the ” Social Insurance Agency （社会保険庁）”, the family member you plan on claiming as your dependent for health insurance purposes must have an annual gross income of less than 1,300,000 yen (approximately $10,800).
Until recently, once a dependent was claimed on an employee’s health insurance, that dependent continued to receive health insurance coverage benefits until the employee, through its employer, filed with the Social Insurance Agency that that dependent no longer needs coverage under his/her name. What often happened as a result was that many college graduates who didn’t begin working full time upon graduation remained covered by his/her parents even though he/she was earning more than 1,300,000 yen through part time jobs. The goal of the recent move by the Social Insurance Agency is to stop spending money on these people. Totally makes sense and I support the movement.
Thinking about working in Japan? Preparing to move overseas almost becomes a full-time job in the final weeks of your departure. Many people quit their jobs weeks before so they can devote their time to preparation. But what about your health insurance? Short-term health insurance plans are a great solution. ↓
Below are links to Certified Social Insurance and Labor Consultants providing services in English. Also below are useful links related to working in Japan and links to women balancing career and personal happiness. WJA realizes and promotes women's increasing value in the labor market.