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How to Choose Health Insurance After Retirement ⚠️...

Looking at the comparison points of the posts, which one seems to be cheaper??

"Title"

Which one should I choose? National insurance and voluntary continuation

Table of Contents

What to do with health insurance when you retire?

02: Difference between national insurance and voluntary continuation

03: Conditions for voluntary continuation

04: Points to compare which one to choose ①

05: Points to compare which one to choose ②

06: Boint to compare which one to choose ③

07: Which should be national insurance or voluntary continuation?

08: Summary of national insurance and voluntary continuation selection

09: Next notice

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What creates the future is not "someone someday" but "myself now."

The accumulation of small choices gives shape to the security of the future.

👉@こう｜中立なお金の先生Follow us

Let's learn step by step and increase our "choices"!

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💡 [Do you have money anxiety?]

For example, the ideal future may not come if you leave the following anxieties and troubles or leave them as if they are okay.

- I do not know how to do household management

· I do not save money even though I do not have luxury

I want to reduce fixed costs.

I feel like I have too much insurance.

・ I want to start NISA and iDeCo, but investment is anxious

Concerned about funding for children's education

· Old age funds are not enough anxiety

· I do not know the budget and interest rate of my home purchase

If even one of these concerns applies, let's follow and change the future from "anxiety" to "fun"!

👉@こう｜中立なお金の先生

As an independent FP that does not sell financial products,

There is no solicitation, mediation, sales, etc. of specific financial institutions or financial products.

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This account does not recommend any specific investment or purchase, nor does it provide investment advice.

There is a risk of loss of principal in investment. Any content does not guarantee future investment results, and final investment decisions should be made at your own risk.

In addition, we make every effort to ensure the accuracy and up-to-date nature of the posted information, but if there is an error in the content, or for loss or damage caused based on the content, the information provider does not assume any responsibility.

Remo Buzz Money # life _ plan When I retired... National Insurance # Optional Continuation

2025/12/25 Edited to

退職後の健康保険選びは単純に保険料の安さだけで決めるのは危険です。私の経験では、まず任意継続に加入できる期間（退職日の翌日から20日以内）が非常に短いので、手続きを忘れないことが大切だと感じました。また、扶養家族がいる場合は、任意継続だと扶養の概念があるので家族の保険料負担が抑えられやすいです。逆に国保は家族もそれぞれ加入が必要なので、世帯全体の保険料をしっかり見積もりして比較する必要があります。さらに、国保には保険料の減免制度があるため、退職理由で収入が著しく下がった場合などは国保の方が負担が軽くなるケースがあります。任意継続は保険料が2年間変わらないため、収入減少のタイミングによって使い分けも考えられます。私の場合は退職前の給与水準と家族構成、再就職の見込みを踏まえ、まず任意継続で加入手続きをしつつ、1年後に国保に切り替える計画を立てました。実際に相談窓口で具体的な保険料見積もりを取ったことで納得できる選択ができました。退職後は、保険料だけでなく給付内容や扶養の有無、減免の可能性など多角的に比較し、早めに計画を立てることが将来の安心につながると思います。みなさんもこの記事を参考に、自分と家族にぴったりの健康保険の選択肢を探してみてください。