Health insurance contribution rates in 2025

(Dan Tri Newspaper) - Different groups purchasing health insurance will have different contribution rates. From July 1st, the amended Health Insurance Law comes into effect, so the regulations on health insurance contribution rates will also change accordingly.

Health insurance contribution rates before July 1st

In 2025, health insurance regulations will be applied in two different phases. The phase before July 1st will follow the current Health Insurance Law; that is, the Social Insurance Law of 2008, amended in 2014 and supplemented by several other laws. Accordingly, health insurance contributions will depend on the group of participants.

The government has many policies to support people in participating in health insurance (Illustrative image: Hoang Le).

Firstly, the group whose health insurance contributions are paid by the employer consists of employees working in the formal labor market, who have signed labor contracts and participate in mandatory social insurance (BHXH). They will pay health insurance contributions based on their monthly salary used as the basis for BHXH contributions.

The health insurance contribution rate for formal employees is 4.5% of their monthly salary used as the basis for social insurance contributions; of which, the employer contributes 3%, and the employee contributes 1.5%.

Secondly, there is the group participating in voluntary health insurance on a household basis. The monthly health insurance contribution for this group is regulated as follows: "The first person pays 4.5% of the basic salary; the second, third, and fourth persons pay 70%, 60%, and 50% respectively of the first person's contribution; from the fifth person onwards, they pay 40% of the first person's contribution."

For households eligible for state-subsidized health insurance contributions, the remaining amount to be paid is calculated based on the contribution level of the first person in the table above.

For example, near-poor households receive a 70% subsidy from the State for their health insurance contributions. Therefore, individuals belonging to near-poor households pay only 30% of the normal amount, which is 379,080 VND per year.

Thirdly, the monthly health insurance contribution for students is 4.5% of the basic salary. Of this, the state budget subsidizes 30%, and the participant pays 70%.

Health insurance contribution rates from July 1st onwards.

From July 1st onwards, the regulations will be applied according to Law No. 51/2024/QH15 amending and supplementing a number of articles of the Health Insurance Law (hereinafter referred to as the 2024 Health Insurance Law).

Compared to the 2014 Health Insurance Law, the regulations on health insurance contributions under the 2024 Health Insurance Law have two new points.

Firstly, the 2024 Health Insurance Law adds a new basis for determining health insurance contributions: the reference level, replacing the basic salary. The 2024 Health Insurance Law stipulates that the reference level is the amount of money decided by the Government to calculate the contribution and benefit levels for certain cases of health insurance participation.

Secondly, the 2024 Health Insurance Law adds many more groups eligible for health insurance. Therefore, the health insurance contribution rates under the 2024 Health Insurance Law also differ significantly from the current rates.

Specifically, according to Article 13 of the 2024 Health Insurance Law, the contribution rates and responsibilities for paying health insurance are stipulated as follows:

Source: https://dantri.com.vn/an-sinh/muc-dong-bhyt-nam-2025-20250123191740922.htm