Problem
When a 56-year-old retiree registers as a dependent on their spouse's national Health Insurance, their premium is 0 KRW. However, if annual income (financial income, Rental income, Pension income, etc.) exceeds 20,000,000 KRW (~$15,000) or property tax assessed value exceeds 540,000,000 KRW (~$405,000), they lose dependent status. The problem is that it is extremely difficult to calculate in advance how Retirement Pension withdrawals, real estate sales, and financial income affect dependent eligibility. Upon losing status, regional subscriber premiums surge to 200,000–500,000 KRW/month ($150–$375), adding 2,400,000–6,000,000 KRW ($1,800–$4,500) in annual costs. Disqualification notices arrive after the fact, making prevention impossible.
Solution
Users input their current income sources (financial income, Rental income, National Pension, Retirement Pension, etc.) and property information for an instant dependent status eligibility diagnosis. By entering future plans (starting Retirement Pension withdrawals, selling Real Estate, financial product maturity dates, etc.), the service generates a monthly dependent status change prediction timeline. When disqualification risk is detected, it suggests defensive strategies for redistributing income (adjusting withdrawal timing, utilizing separate taxation, etc.).