Japan National Health Insurance 2026: How Much You Pay & How to Actually Use It

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📋 2026 Health Insurance Updates for Foreigners

• National Health Insurance (NHI) annual premium cap for Tokyo (2026): Medical portion up to ¥920,000 + Long-term care up to ¥170,000 = total cap approximately ¥1,090,000/year
• My Number Card required from December 2, 2025: Traditional health insurance cards are abolished — use your My Number Card or the Eligibility Confirmation Form (資格確認書) at hospitals
• High-Cost Medical Care system unchanged: Monthly out-of-pocket cap varies by income — typically ¥80,100–¥252,600 per month depending on your income bracket

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