I’ve just joined NHI and my income for Japan is set at 0 for the year. However, my monthly premium is upwards of 1.3万円. Is this normal? In the past year my spouse’s income was not that high, probably take-home income of 9万円 monthly. I’m asking because we had a kid this September and she isn’t working, while I’m on parental leave. Parental leave pay is already quite low, and taking 1万 out of that is going to make it more difficult, especially with all the new costs associated with a kid.