High-Cost Medical Expenses Cap Raised
Effective August 1, 2026 (Phase 1). Monthly out-of-pocket cap raised 4–38% by income bracket. New annual cap of ¥530,000 for those earning ¥2–7.7M/year. Multiple-occurrence reduction kept as-is.
6 itemsLatest information on health insurance, medical systems, and drug pricing

Effective August 1, 2026 (Phase 1). Monthly out-of-pocket cap raised 4–38% by income bracket. New annual cap of ¥530,000 for those earning ¥2–7.7M/year. Multiple-occurrence reduction kept as-is.
From June 2026, new price-adjustment surcharges effectively raise initial consultation by ~¥20 and follow-up by ~¥30. Affects out-of-pocket costs for foreign residents at 30% copay.
From April 2026, 34 more brand-name drugs added to the "selected medical treatment" list (total 775). Patients choosing brand-name over generic pay 1/4 of the price difference out of pocket. Affects foreign residents with chronic conditions.
From April 2026, drug prices cut by 0.86% (medical cost basis). Some items reduced by over 40% under market expansion reassessment. Lower out-of-pocket costs for foreign patients using prescription drugs.
Paper health insurance cards fully abolished on March 31, 2026. Transition to My Number Insurance Card. Qualification certificates available for those without My Number Card.
From April 2025, the shingles vaccine became a routine Category-B immunization: mainly people turning 65, plus ages 70, 75, 80, 85, 90, 95, and 100 through FY2029, with municipal subsidies. Choose one live dose or two recombinant doses.