BPJS Health Premium Rates for Classes 1-3 from May 2026: Prepare for the Increase

The government plans to adjust BPJS Health premium rates this year in response to projections of a National Health Insurance (JKN) programme deficit reaching Rp 20 trillion to Rp 30 trillion. Health Minister Budi Gunadi Sadikin explained that periodic evaluations of premiums every five years are crucial to ensure the stability of the programme’s funding. Although he acknowledged political challenges in this policy, he stressed that the increase is an unavoidable step. “Premiums must indeed rise, though there are political considerations that this will be contentious,” said Health Minister Budi Sadikin some time ago, quoted on Friday (1/5/2026). The Minister assured that future official premium increases for BPJS Health will only impact middle- and upper-class individuals who currently pay premiums independently, for example, around Rp 42,000 per month. The increase will not affect poor groups. The Minister stated that participants from deciles 1 to 5 will continue to be covered by the government through the Premium Assistance Recipients (PBI) scheme. “If premiums are raised for poor people in deciles 1-5, it has no impact. Because the poor are paid for by the government,” said Budi Gunadi Sadikin, familiarly known as BGS. Previously, Finance Minister Purbaya Yudhi Sadewa emphasised that the government will not alter BPJS Health premium rates until economic growth can rapidly exceed the stagnant level of around 5% over the past decade. If the economy can break through above 6%, he assured that the government will then consider adjusting the premium rates. This includes considerations if faster economic growth occurs in 2026. “In the sense of growing above 6% and they have started to find work more easily, then we think about increasing the burden on society. Not yet now. Next year, if the economy grows above 6.5%, how about it?” stated Purbaya firmly. He also emphasised that if growth next year can break through above 6%, society will have the capacity to share the burden with the government for the adjusted BPJS Health premiums. Although discussions on premium adjustments have emerged, the applicable premium amounts to date still refer to the last regulations set in 2022. The previous regulations on premiums are contained in Presidential Regulation Number 63 of 2022. It also includes provisions for payments due by the 10th of each month, and no late payment fines starting from 1 July 2026. Fines are imposed if, within 45 days of reactivating membership status, participants receive inpatient health services. BPJS Premiums: Premium Assistance Recipients (PBI) for National Health Insurance paid directly by the Government. Premiums for Wage Recipient Workers (PPU) employed in government institutions, consisting of Civil Servants, TNI members, Police members, state officials, and non-civil servant government employees, amount to 5% of monthly salary or wages, with 4% paid by the employer and 1% by the participant. Premiums for PPU working in SOEs, regional SOEs, and private sectors amount to 5% of monthly salary or wages, with 4% paid by the employer and 1% by the participant. Additional family premiums for PPU, consisting of the fourth child and onwards, father, mother, and in-laws, amount to 1% of salary or wages per person per month, paid by the wage recipient worker. Meanwhile, premiums for other relatives of PPU such as siblings/in-laws, domestic assistants, and others, non-wage recipient worker participants (PBPU), and non-worker participants, have their own calculations. Here are the details: a. Rp 42,000 per person per month for benefits in Class III ward care. Specifically for Class III, from July to December 2020, participants paid Rp 25,500. The remaining Rp 16,500 was paid by the government as premium assistance. From 1 January 2021, the Class III participant premium is Rp 35,000, while the government continues to provide Rp 7,000 in premium assistance. b. Rp 100,000 per person per month for benefits in Class II ward care. c. Rp 150,000 per person per month for benefits in Class I ward care. Health insurance premiums for Veterans, Independence Pioneers, and widows, widowers, or orphans of Veterans or Independence Pioneers, are set at 5% of 45% of the base salary of Civil Servant Group III/a with 14 years of service per month, paid by the Government.