Indonesians who heard that BPJS Kesehatan would scrap its class I, II and III health insurance tiers this year can relax. The 2026 premiums have not changed.

As of May 29, 2026, BPJS Kesehatan, Indonesia's national health insurance agency, is still billing independent or self-employed contributors, known as PBPU, at the same rates: Rp150,000 for class I, Rp100,000 for class II and Rp42,000 for class III per person per month. For class III, the government adds a Rp7,000 subsidy, bringing the amount participants actually pay down to Rp35,000. What has changed, and only on a trial basis, is the standard for inpatient rooms, under a program called KRIS, or Standardized Inpatient Class.

How much does BPJS Kesehatan cost right now?

For independent participants, the three-tier structure above still applies. BPJS Kesehatan public relations chief Rizzky Anugerah confirmed it directly: "For JKN participants in the informal or self-employed worker segment, class I costs Rp150,000, class II costs Rp100,000 and class III costs Rp42,000 per person per month, with a government subsidy of Rp7,000 per person per month, so class III participants only pay Rp35,000."

Participants who receive premium assistance, known as PBI, pay nothing at all because the government covers their premiums in full. Salaried workers, or PPU, pay 5 percent of their monthly wage, split between a 4 percent employer contribution and a 1 percent deduction from the worker's pay, under Presidential Regulation No. 64 of 2020 as last amended by Presidential Regulation No. 59 of 2024. Rizzky explained why the rates have held steady: "Even as health care costs keep rising, JKN premiums have stayed the same for years. This shows the JKN program is being kept affordable, so people continue to have health coverage."

What is KRIS, and why do people think it scraps BPJS classes?

KRIS is a minimum standard for inpatient room facilities set out in Presidential Regulation No. 59 of 2024. It is not a scheme that abolishes premium classes or replaces classes I, II and III with a new rate. Article 46A of the regulation lists 12 criteria, including room ventilation and lighting, bed density and fittings, bedside tables, room temperature, separating patients by sex, age and infection status, curtains between beds, an accessible attached bathroom, and an oxygen outlet. These criteria do not apply to perinatal units, intensive care, mental health inpatient wards, or rooms with specialized facilities.

JKN medical benefits, from doctor's visits to medication, are determined by a patient's medical needs, not by how much they pay in premiums. KRIS only governs the standard of the room a patient stays in. Participants who want comfort above that standard can still pay the difference through supplementary insurance, within the limits set by Article 51 of Regulation 59/2024.

Why is the KRIS rollout behind schedule?

Article 103B of Presidential Regulation No. 59 of 2024 ordered KRIS facilities to be rolled out across all BPJS-partnered hospitals by June 30, 2025 at the latest, with new rates, benefits and premiums to be set by July 1, 2025. In practice, the Health Ministry and BPJS Kesehatan only began piloting the program in April 2026, more than nine months after the regulation's own deadline. The pilot is running in four areas: Bandung, Tulungagung, Muara Enim and Makassar, and combines three elements at once: KRIS room standards, the Indonesian Diagnosis Related Groups (iDRG) claims payment system, and patient referrals based on each hospital's service capacity. Eko Sulistijo, head of the Health Ministry's data and information technology center, explained the goal: "With this integration, we have high hopes of delivering excellent care to patients efficiently while significantly cutting the administrative burden on health facilities related to referrals."

On June 10, 2026, the National Social Security Council (DJSN) said the government was still preparing the regulations, information technology systems, public communication and mitigation of operational impacts needed for the pilot. A draft ministerial decree meant to guide the trial was also not yet finished. Taken together, the July 2025 regulatory deadline, the DJSN's June 2026 admission, and BPJS Kesehatan's May 2026 confirmation of unchanged rates point to the same conclusion: the government has not finished a process it was supposed to complete a year ago, and the pilot now under way is planned to run for another year.

Still undecided

There is no single KRIS rate yet, no formula to replace the premium classes for independent participants, and no date set for a national rollout once the pilot ends. Participants should treat any "KRIS rate" circulating outside official BPJS Kesehatan announcements as an invalid bill. Until new regulations are issued and announced, the class I, II and III rates in effect today remain the basis for payment.