Student Summer Job Health Insurance: Should You Switch to the Company? 2026 Latest Premiums, Supplementary Premium Calculations,

For students working summer jobs, if the employment period is less than 3 months, you are not necessarily required to switch your health insurance to the company. You can freely choose to remain a dependent under your parents' insurance or be insured by the company. However, starting from 2026, with the minimum wage increasing to 29,500 NTD, your insurance premium burden will be directly affected by your choice of insurance. Key points summarized: • Mandatory Insurance Conditions: If the work duration exceeds 3 months, and you work every workday or at least 12 hours per week, the company must enroll you in health insurance. • Supplementary Premium Threshold: If you remain a dependent and receive a single part-time salary of 29,500 NTD or more, you will be subject to a 2.11% (approx. 622 NTD) supplementary premium for part-time work. If the single salary is below 29,500 NTD, no supplementary premium will be deducted. • Benefits of Company Insurance: If you opt for company insurance, calculated based on the 29,500 NTD bracket, you will only need to pay 458 NTD per month for the general premium. For example, if you work for 2 months at a monthly salary of 29,500 NTD, choosing company insurance can save you approximately 328 NTD compared to remaining a dependent (including supplementary premiums). • Consideration of Family Dependents: If the number of dependents under the same insured person exceeds three (reaching the premium calculation cap), the student switching out will not lower the parents' health insurance premiums. However, if there were originally only one to three dependents, the general premium burden for the family will decrease after the student switches out. The National Health Insurance Administration recommends that students compare their work duration, single salary amount, and their family's existing insurance situation to choose the most beneficial option. They also advise confirming a smooth transition of health insurance status via an app after the work period ends.