Indonesia Maintains BPJS Kesehatan Premium Rates for 2026

Economic Growth Condition for Potential Increase

The Indonesian government has announced that it will maintain the current BPJS Kesehatan premium rates for 2026. Former Finance Minister Purbaya Yudhi Sadewa explained that any consideration to increase the rates will only be made if the country's economic growth surpasses 6.5%. This decision reflects the government's cautious approach to adjusting financial burdens on citizens during the economic recovery period.

Current Premium Structure

The BPJS Kesehatan premium rates are currently structured into several categories:

1. Penerima Bantuan Iuran (PBI): Premiums are fully covered by the government.
2. Pekerja Penerima Upah (PPU): For civil servants, military, and police personnel, the premium is 5% of monthly salary, with 4% paid by employers and 1% by employees.
3. Non-Wage Recipients: Premiums vary by class:
   • Class III: Rp 42,000 per month (with government subsidy)
   • Class II: Rp 100,000 per month
   • Class I: Rp 150,000 per month

Transition to KRIS System

The government is currently implementing the Kelas Rawat Inap Standar (KRIS) system to replace the existing class-based healthcare system. During this transition period, the current premium rates will remain in effect. The KRIS system aims to standardize healthcare services across different classes.

Future Considerations

While the current rates remain unchanged for 2026, Minister Purbaya indicated that strong economic growth above 6.5% could create opportunities for revisiting the premium structure. This potential adjustment would be based on the improved economic capacity of citizens to bear additional financial responsibilities alongside government support.