Japan: March 2026 Health Insurance & Kaigo Hoken Premium Reset (In Force)

Health Insurance and Long-Term Care Insurance (Kaigo Hoken) premium rates were reset in March 2026 by prefectural Kyokai Kenpo associations and are now in force. EPI rate remains 18.3% (split 50/50). Standard Monthly Remuneration recalculation (定時決定) period uses April–June 2026 average – collect data within window.

Effective Date

• March 2026 (in force)

Published

• Kyokai Kenpo prefectural associations / Japan Pension Service

Key Points

• Health Insurance + Kaigo Hoken: prefectural rates reset March 2026 – verify per applicable Kyokai Kenpo branch / covered business establishment prefecture.
• EPI: 18.3% total (9.15% each side).
• Kaigo Hoken: 1.62% in 2026 for employees aged 40–64.
• 定時決定: July recalculation using April–June 2026 remuneration average.
• Prefectural minimum wages: in force from October 2025 until October 2026 cycle.
• Bonus withholding uses separate 賞与 tables, not monthly tables.

Payroll action

• Verify March 2026 Health Insurance premium rate is loaded for each employee’s residence prefecture.
• Begin collecting April–June 2026 remuneration data for July 定時決定 standard monthly remuneration recalculation.
• Confirm EPI 18.3% (9.15% each side) and Kaigo Hoken 1.6% for employees aged 40–64.
• If summer bonus payments scheduled in May–June: apply bonus withholding tables (separate from monthly).

Japan Pension Service