According to current regulations, "voluntary health insurance" is a common term. The Law on Health Insurance defines this as a mandatory insurance form organized by the State, not for profit; people who participate with their own money belong to the group of self-paid health insurance.
How much does a family of 4 pay each year?
Decree 188/2025/ND-CP stipulates that the first person participating in household health insurance pays monthly at 4.5% of the base salary.
When members participate together in the form of households for one fiscal year, the second person contributes 70% of the first person's level; the third person contributes 60%; the fourth person contributes 50%. From the fifth person onwards, the contribution level is 40% of the first person's level.
From July 1, 2026, the base salary will be increased from 2.34 million VND to 2.53 million VND/month according to Decree 161/2026/ND-CP.
Accordingly, the contribution amount of each member is calculated as follows:
The first person pays 113,850 VND/month, equivalent to 1,366,200 VND/year.
The second person contributes 79,695 VND/month, equivalent to 956,340 VND/year.
The third person contributes 68,310 VND/month, equivalent to 819,720 VND/year.
The fourth person contributes 56,925 VND/month, equivalent to 683,100 VND/year.
Thus, if all 4 people participate in household health insurance for 12 months according to the new level, the total amount to be paid is 3,825,360 VND/year, an average of 318,780 VND/month.
Before July 1, 2026, when the base salary was 2.34 million VND/month, the total contribution of a family of 4 according to the above calculation method was 3,538,080 VND/year. Thus, the amount to be paid according to the new level increased by 287,280 VND/year.
The deduction level is only applied to members who participate in health insurance in the form of households in the financial year. In case a member has been issued a health insurance card as a worker, student, or other group, they will not continue to buy it by household.
Not every card is valid immediately
Participants can register through social insurance agencies, collection service organizations or perform online according to the guidance of the social insurance agency.
For people who are participating continuously and renewed on time, the health insurance card continues to be valid for the time it has been paid.
However, for people belonging to the self-paid group participating for the first time or having their participation period interrupted for 90 days or more, the health insurance card is only valid after 30 days from the date of full payment.
People who need to use cards need to pay attention to the registration time, avoid interrupting the participation process, especially when the old card is about to expire.
