- 지역가입자 건강보험료 증액없는 12가지 금융상품
- 지역가입자의 건강보험료는 소득과 재산에 비례 부과하기 때문에 건강보험료가 증액되는 것이 부담이 되는 경우에는 건강보험료 산정에 영향을 미치지 않는 금융상품을 이용할 수 있습니다. 지역가입자 건강보험료 증액없는 12가지 금융상품에 대해 자세하게 설명해 드리도록 하겠습니다.
Health insurance premiums are levied in proportion to income and assets, so they can be a significant burden for those with reduced income after retirement. However, using financial products that do not affect the calculation of health insurance premiums can reduce this burden. This article details 12 financial products that can reduce health insurance premiums for locally insured individuals.
Why should you reduce your health insurance premiums?
- Reduced income after retirement: Reduced income after retirement can make it difficult to cover living expenses.
- Increased assets: Increased assets after retirement also increase health insurance premium burdens.
- Burden of retirement living expenses: Increased health insurance premium burdens can make it difficult to cover retirement living expenses.
How to reduce health insurance premiums?
Financial Products for Local Health Insurance Premiums
- Utilizing tax-exempt financial products: Utilizing financial products that provide tax exemptions on interest income and dividend income excludes them from the health insurance premium calculation.
- Utilizing low-tax financial products: Utilizing low-tax financial products, where only the special tax for agriculture and fisheries is levied, can reduce health insurance premium burdens.
- Utilizing separately taxed financial products: Utilizing separately taxed financial products, which separately tax financial income, excludes them from the health insurance premium calculation.
12 Financial Products to Reduce Health Insurance Premiums for Locally Insured Individuals
1. Deposits and investments in mutual finance: Deposits and investments in mutual finance institutions (agricultural cooperatives, credit unions, etc.) can receive low-tax benefits.
2. Tax-exempt savings insurance: Tax-exempt benefits can be received depending on the subscription period and conditions.
3. Tax-exempt comprehensive savings: Only specific groups can subscribe, and tax-exempt benefits can be received within the limit of 50 million won.
4. ISA account: Divided into general and low-income types, tax exemptions or separate taxation benefits can be received up to a certain amount.
5. Domestic stock investment: If it is not a non-listed stock or does not meet the requirements for major shareholders, tax-exempt benefits can be received on the trading profits.
6. KRX gold account: An account that allows trading in gold, tax-exempt benefits can be received on trading profits.
7. Brazilian government bonds: Tax-exempt benefits can be received on interest income and trading profits, but exchange rate fluctuations must be considered.
8. Dedicated account for investment trust: An account that allows investment in infrastructure funds, etc., separate taxation benefits can be received on dividend income.
9. Individual investment government bonds: Government-issued bonds, separate taxation benefits can be received on interest income.
10. Pension accounts (pension savings, IRP): Tax credits can be received on the contribution amount, and pension income tax is levied when received as a pension.
11. Overseas stocks: Separate taxation benefits can be received on trading profits.
Frequently Asked Questions
- Which financial product should I choose?
- You should choose a suitable financial product according to your investment style and goals. It is best to consult with an expert to find a product that suits you.
- Do I have to join all financial products to reduce health insurance premiums?
- There is no need to join all financial products. It is best to select and utilize a few products that suit you.
- When is the health insurance premium calculated?
- Every May, the National Tax Service provides income data to the National Health Insurance Service, and the National Health Insurance Service calculates health insurance premiums based on this.
Conclusion
Health insurance premiums are a significant factor affecting retirement life. We hope that you will utilize the 12 financial products introduced above to reduce your health insurance premium burden and prepare for a comfortable retirement.
Comments0