Post-Retirement Health Insurance Shock Calculator

4.25

Derivation Chain

Step 1 Digital administrative delegation

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Step 2 Missed deadlines and overpayment due to fragmented procedures

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Step 3 Preparing for premium surge when switching from employer to regional health insurance at retirement

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Step 4 Integrated total-burden simulation connecting health insurance + pension + tax

Problem

When a 57-year-old employee retires, they switch from employer-based health insurance to regional health insurance, where premiums factor in Real Estate and financial income — causing monthly premiums to triple from 150,000 won (~$112) to 450,000 won (~$337) in many cases. Total burden also varies depending on National Pension start date and comprehensive income tax filing status, but no tool connects these three systems. Each must be checked separately on NHIS, NPS, and HomeTax, and understanding their interactions alone takes days.

Solution

Enter current salary, owned Real Estate (assessed value), financial income, and estimated National Pension amount on the web to see projected regional health insurance premiums post-retirement + premium changes when pension payments begin + income tax bracket — all on one screen. Compare scenarios like 'selling one property,' 'changing pension start date,' and more.

Target: Workers aged 53–60, property owners, expecting retirement within 1–5 years, wanting to understand post-retirement insurance and tax burden in advance

Revenue Model: Basic simulation free; scenario comparison Report (3+ scenarios) PDF at 9,900 won (~$7.50); annual policy update alert Subscription at 19,900 won (~$15/year)

Ecosystem Role: Regulation

MVP Estimate: 1_month

NUMR-V Scores

N Novelty

4.0/5

U Urgency

5.0/5

M Market

4.0/5

R Realizability

4.0/5

V Validation

4.0/5

NUMR-V Scoring System

N Novelty	1-5	How uncommon the service is in market context.
U Urgency	1-5	How urgently users need this problem solved now.
M Market	1-5	Market size and growth potential from proxy indicators.
R Realizability	1-5	Buildability for a small team with realistic constraints.
V Validation	1-5	Validation signal quality from competition and demand data.

SaaS N=.15 U=.20 M=.15 R=.30 V=.20 Senior N=.25 U=.25 M=.05 R=.30 V=.15

Feasibility (58%)

Tech Complexity

24.7/40

Data Availability

20.8/25

MVP Timeline

12.0/20

API Bonus

0.0/15

Feasibility Breakdown

Tech Complexity	/ 40	Difficulty of core implementation stack.
Data Availability	/ 25	Practical availability and cost of required data.
MVP Timeline	/ 20	Expected time to ship a usable MVP.
API Bonus	/ 15	Bonus for viable public API leverage.

Market Validation (59/100)

Competition

8.0/20

Market Demand

6.2/20

Timing

14.0/20

Revenue Signals

10.5/15

Pick-Axe Fit

10.5/15

Solo Buildability

10.0/10

Validation Breakdown

Competition	/ 20	Signal quality from competitor landscape.
Market Demand	/ 20	Demand proxies from search and mention patterns.
Timing	/ 20	Fit with current shifts in tech, behavior, and regulation.
Revenue Signals	/ 15	Reference evidence for monetization viability.
Pick-Axe Fit	/ 15	How well the concept serves participants in a trend.
Solo Buildability	/ 10	Practicality for lean-team implementation.

Technical Requirements

Frontend [medium] Backend [high] Data Pipeline [low]

Dashboard