After resigning from a job, your National Health Insurance (NHI) does not automatically disappear or pause: your former employer must withdraw your enrollment within 3 days, and you must promptly enroll under a new category in sequence: new employer if you have found work; professional union or farmers association if holding membership; dependent under an employed spouse or child if eligible; or visiting your household registration district office (區公所) to enroll under Category 6. Category 6 out-of-pocket premium is NT$826 per person monthly, which can be applied for via the "NHI Action Easy Go" app and backdated to your resignation date. Premiums are charged monthly: a full monthly premium is due for the month of enrollment, while the month of withdrawal is exempt, meaning if you resign mid-month, the new insured unit collects the entire monthly premium.
Reminder: NT$826 is the monthly out-of-pocket share for Category 6 insured individuals, equal to the NHI Administration's announced Category 6 average premium of NT$1,377 × 60% self-pay; Taipei City Department of Social Welfare also adopts NT$826 as the senior health insurance subsidy ceiling. The actual payable amount is determined by the NHI billing statement. Required documents may vary by district office; call your local district office (區公所) or the NHI hotline at 0800-030-598 before visiting.
Five NHI Enrollment Options After Resignation
| Situation | How to Enroll | Who Pays and How Much |
|---|
| Already found a new job | Enrolled by new company (insured unit must process within 3 days of meeting eligibility) | Based on new salary bracket, Category 1 employees pay 30% out-of-pocket |
| Member of professional occupational union, farmers/fishermen association | Enroll under that category (Category 2 or 3); cannot switch to dependent status | Subject to statutory category rules, e.g., Category 2 pays 60% self-pay |
| Spouse is employed and you are unemployed | Enroll as dependent under spouse | Paid by spouse; premium per dependent matches employee, capped at 3 dependents |
| Child is employed and you are unemployed parent | Enroll as dependent under child (lineal ascendant) | Same as above |
| None of the above apply | Enroll under Category 6 at household registration district office (區公所) | Category 6 is NT$826 per person/month (60% self-pay, 40% central subsidy) |
Article 10 of the National Health Insurance Act provides that Category 6 (community population) covers heads of household or representatives other than Categories 1 to 5 insured persons and their dependents; so individuals qualified as dependents cannot enroll under Category 6. Furthermore, individuals qualified as primary insured persons cannot enroll as dependents (Article 11), meaning union members qualifying for Category 2 cannot choose dependent status.
Can Adult Children Enroll as Dependents Under Parents?
Not necessarily. Under Article 2 of the National Health Insurance Act, child dependents are limited to minors without occupation, adults incapable of earning a livelihood, or students currently enrolled in school without occupation. Article 21 of the Enforcement Rules adds two exceptions for adult children without occupation:
- Recent graduates, within 1 year from the end of the graduation academic year.
- Discharged conscripts from compulsory military service or alternative service, within 1 year from discharge or training completion.
Adult children not meeting these exceptions must enroll independently under Category 6, even if living with parents. Spouses enrolling as dependents must be unemployed.
Another practical rule: Article 20 of the Enforcement Rules states that individuals whose original insurance eligibility has not ceased may maintain original coverage during short-term temporary employment lasting no more than 3 months.
Enrolling in Category 6 at District Offices: Procedure and Fees
Category 6 premiums and statutory basis are shown below:
| Category 6 Premium (2026 / ROC 115) | Amount | Legal Basis |
|---|
| Category 6 average insurance premium | NT$1,377 / person / month | NHI operational report for June 2026: May 2026 identical to same period in 2025 |
| Self-pay ratio | 60% (central government subsidy 40%) | National Health Insurance Act Article 27, item 7 |
| Insured person monthly self-pay | NT$826 (NT$1,377 × 60%) | Calculated under Article 27, item 7; Taipei Social Welfare Department notes NT$826 Category 6 self-pay ceiling |
| Insured person + 3 dependents (ceiling) | Approx NT$3,304 | Dependents exceeding 3 are counted as 3 (National Health Insurance Act Article 23) |
- What to bring for personal enrollment: National ID card, personal seal (or signature), household certificate (戶口名簿), and employer termination certificate or NHI transfer-out certificate (轉出申報表).
- What to bring for dependents: Dependent's ID card (or household certificate for minors), relationship proof documents, and proof of graduation or military discharge within 1 year for adult children.
- Who applies: Head of household or applicant in person; proxies require power of attorney and proxy's original ID card.
Supplementary premium rules for part-time income or dividends are explained in NHI supplementary premium rates and thresholds.
Involuntary Resignation and Unemployment Benefits: Premium Subsidies
Under the Regulations Governing National Health Insurance Premium Subsidies for Unemployed Insured Persons and Their Dependents (Employment Insurance Act Article 10, paragraph 1, item 5), workers involuntarily separated who receive unemployment benefits or vocational training living allowances receive full government subsidies for their out-of-pocket NHI premiums and eligible dependents during the benefit period.
Key points: The Bureau of Labor Insurance, Ministry of Labor (勞動部勞工保險局) transmits lists to the NHI Administration for automatic deduction without separate subsidy applications; however, you must still complete enrollment at the district office (區公所) or as a dependent, or premiums cannot be credited. The subsidy covers statutory primary insurance premiums only, excluding supplementary premiums or backdated dependent additions.
Mid-Month Resignation Premiums and Arrears Handling
| Item | Statutory Rule | Legal Basis |
|---|
| Month of resignation premium | Full monthly premium paid for month of enrollment, exempt for month of withdrawal; resignation month premium is paid to the new insured unit (or district office) | National Health Insurance Act Article 30, paragraph 2 |
| Same-month multi-transfer | When multiple enrollments/withdrawals occur in 1 month, the unit of enrollment at the end of the month collects full premium | Article 30, paragraph 2 |
| Late payment surcharge | Overdue premiums incur 0.1% surcharge daily starting 30 days after due date, capped at 5%; unpaid over 150 days can be referred for administrative execution (Article 35) | Article 35 |
| Installment payment plans | Those unable to pay arrears at once may apply for installment payments, loans, or subsidies under Article 36 | Article 36 |
| Suspension of benefits | Under Article 37, the NHI Administration may temporarily suspend benefit coverage for unjustified arrears | Article 37 |
| Failure to enroll penalty | Those failing to enroll under regulations face fines of NT$3,000 to NT$15,000 and retroactive premium collection | Article 91 |
Editorial suggestion: Decide your enrollment route within the week of resignation and verify coverage continuity in the app. For lost cards, see NHI card replacement procedures; for severance calculations, consult 2026 minimum wage and overtime pay calculation.
Frequently Asked Questions
Do I have to handle my NHI enrollment myself after resigning?
Yes. Your former company withdraws your insurance within 3 days, but follow-up enrollment must be handled by you: enroll with a new employer, join as an eligible family dependent, or visit your district office for Category 6.
How much is Category 6 NHI premium per month?
In 2026, the Category 6 average monthly premium is NT$1,377; paying the 60% self-share costs NT$826 per person monthly. Each additional dependent adds NT$826, capped at 3 dependents.
Can I join my parents' NHI after resigning?
Adult children may only join as dependents if enrolled in school without employment, physically/mentally disabled without livelihood, or within 1 year of graduation or military discharge; otherwise, enroll independently under Category 6.
What happens if I have an NHI coverage gap for one month after resigning?
NHI is mandatory. Coverage gaps result in retroactive billing for missed premiums; Article 91 also stipulates fines for failure to enroll. Re-enroll promptly via the app or district office backdated to your resignation date.
Who pays the NHI premium for the month I resign mid-month?
The month of withdrawal is exempt, while the month of enrollment incurs a full monthly premium; your new insurance unit (new company, dependent unit, or district office) collects the full premium for that month.
Last updated: 2026-11-01
This article was compiled by SOSfix editors from public information for general reference only; for specific individual cases, contact the National Health Insurance Administration, Ministry of Health and Welfare (衛生福利部) at 0800-030-598 or your household registration district office (區公所).
Sources
- National laws and regulations database: National Health Insurance Act (amended June 28, 2023, verified 2026-11-01) (in Chinese): Article 2 dependent definitions, Article 10 Category 6 definitions, Article 11 primary status priority, Article 15 3-day deadlines, Articles 18 and 23 dependent caps, Article 27 item 7 60% self-pay, Article 30 monthly billing, Articles 35–37 surcharges and suspension, Article 91 fines.
- National laws and regulations database: Enforcement Rules of the National Health Insurance Act (amended October 20, 2025, verified 2026-11-01) (in Chinese): Article 20 short-term work under 3 months, Article 21 recent graduates and discharged military personnel within 1 year.
- National Health Insurance Administration, Ministry of Health and Welfare: NHI operational report for June 2026 (published July 2026, verified 2026-11-01) (in Chinese): Category 6 average monthly premium NT$1,377, unchanged from 2025.
- Department of Social Welfare, Taipei City Government: Senior NHI subsidy guidelines (updated September 4, 2026, verified 2026-11-01) (in Chinese): subsidy up to NT$826 per person monthly matching Category 6 self-pay ceiling.
- Ministry of Health and Welfare News: How to manage NHI when changing careers (updated March 19, 2024, verified 2026-11-01) (in Chinese): enrolling via app during unemployment, retroactive backdating to resignation date, uninterrupted coverage importance, hotlines.
- National laws and regulations database: Regulations Governing National Health Insurance Premium Subsidies for Unemployed Insured Persons and Their Dependents (amended November 12, 2012, verified 2026-11-01) (in Chinese): eligible recipients, monthly primary premium subsidy, exclusion of supplementary premiums, retroactive dependent exclusions.
- National laws and regulations database: Employment Insurance Act (amended January 12, 2022, verified 2026-11-01) (in Chinese): Article 10 paragraph 1 item 5 health insurance premium subsidies for unemployed workers.
Related reading: Taiwan Severance Pay: Calculation, Notice Period and Leave · Taiwan Unemployment Benefits: Amount, Eligibility, Duration · Taiwan National Pension: Who Must Pay, 2026 Premiums & Rules
