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A Major Change in Health Insurance Dependency Rules in Japan

Starting October 2025, significant adjustments will occur in Japan's health insurance dependency regulations, notably impacting families with young adults aged 19 to 23. The previous threshold for being classified under a parent’s health insurance plan, known as the "130,000 yen barrier," will expand under specific conditions to include individuals earning up to 150,000 yen.

What’s New?

Previously, only those earning less than 1.3 million yen annually were eligible to be dependents under their parent's health insurance. With the new guidelines, the limit is raised, but only for a certain age group and within defined earning constraints. This means that parents of young adults can now provide coverage for their children who earn between 1.3 million yen and 1.5 million yen, as long as they meet certain conditions.

Key Details to Consider

1. Age Criteria: The new regulations apply solely to children aged between 19 to 23 years. This age limitation emphasizes the importance of addressing the needs of young adults who are often entering the workforce or pursuing higher education.

2. Parental Reporting: One crucial aspect to note is that the transition to the new system will not happen automatically. Parents must actively report their child's eligibility for coverage. This rule is designed to ensure accuracy and prevent any potential abuse of the system, emphasizing the active role parents will need to take.

3. Avoiding Losses: Families must be aware of the necessity to switch to the new insurance structure proactively; ignoring this requirement could lead to unintentional losses in coverage or financial support for eligible young adults.

Seminar for Further Insights

To shed more light on these changes, a seminar is scheduled for September 22, 2025. Organized by the Claire Human Resource Education Association, the seminar will provide valuable insights and answers to pressing questions such as:

• - How will the "130,000 yen barrier" change?
• - What are the specific conditions under the new system for recognizing dependents?
• - What does the age cap of 19 to 23 entail?
• - Why is parental reporting necessary?
• - How to avoid overlooking this crucial transition?

The event will feature Jun Ono, a certified social insurance labor consultant, recognized for his extensive experience and practical approach towards applying labor laws in real-world situations.

About Claire Human Resource Education Association

Founded in 2023 as a group of (株)SA, the Claire association focuses on qualifications and training related to employment, labor issues, and harassment prevention. Their programs are crafted to protect working individuals and their families, ensuring practical learning that can translate to daily work-life scenarios. Over 650 individuals have obtained the title of “Employment Clean Planner,” gaining invaluable skills utilized across corporations, local governments, and educational institutions.

For further information, visit the official website.