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【アドレスホッパー】税金はどうしたらいい?【税金・年金・健康保険】

決まった一つの場所を拠点とせずに様々な土地や宿を巡り生活をする人やライフスタイル
そんな「アドレスホッパー」という新しい選択肢があります。

では実際にアドレスホッパーになろうとすると税金、年金などはどうしたらいいのでしょうか。
今回の記事では、そんな疑問を解決するために詳しくまとめてみました!

税金はどうしたらいい?

住民税

住民税は原則1月1日時点で登録されている住所(原則住民票の住所)で、前年の1月1日から12月31日までの所得が100万円以上のすべての住民に課税されます。
アルバイトや会社員などで年末調整をされる方は、年末調整の書類に記入した住所がある市町村の役所より徴税が行われます。
つまり必ずしも住民票が登録されている市町村から徴税されるというわけではありません

所得税

会社に勤めながら「アドレスホッパー」をしている場合は、給与から天引きされます。
フリーランスなどの個人事業主の場合は年に一度確定申告を行う必要があります。
確定申告期間はあらかじめ設定されているのでその期間内に行いましょう。
直接税務署に提出できない場合は、郵送やe-taxと呼ばれるインターネット上での提出も可能です。

年金や健康保険は?

国民年金

企業に勤務している場合は、給与から天引きされるので特に問題はないと思います。
企業に勤務していたけれど退職して、「アドレスホッパー」になるという方は厚生年金から国民年金への切り替えが必要です。

その場合は住民票を登録している市町村の役所にて切り替えを行います。
その際に、退職日が確認できる書類、年金手帳、印鑑、身分証明書などが必要になります。
あらかじめ市町村のホームページなどで必要書類を確認しておきましょう。

健康保険

こちらも国民年金と同様に、会社に勤めている方は給与からの天引きになるので手続きは不要です。
会社を退職して「アドレスホッパー・フリーランス」になるというかたは、国民年金と同様に住民票を登録している市町村の窓口にて切り替え手続きを行いましょう。

①在職時に利用していた健康保険を最大2年まで継続することができる「任意継続」

②国民健康保険に切り替える

③家族の扶養に入る

3つの選択肢があります。

自分自身でどちらにするかを検討したうえで手続きを行いましょう。

切り替えを行う場合、退職後から14日以内などと期限が設定されているので必要書類と合わせて確認してください。
必要書類は市町村によって異なるため、ホームページなどで事前に確認し用意しておきましょう。

まとめ

いかがだったでしょうか。
今回は「アドレスホッパー」というライフスタイルを送る上で、住民票や税金などはどうしたらいいのかという点をまとめて説明してみました。

「一つの場所を拠点とせず、様々な土地を転々としながら生活する」
そんな「アドレスホッパー」ですが、日本で生活していくには住民票の登録、納税など様々な義務があります。それらの義務をしっかり果たしながら、自分自身が快適だと思える暮らし方を実現していきたいですね!

運営者のりゅーとは世界の美味しいごはんをテーマに旅をしています!

美味しいごはんをテーマに、世界の色んな国を訪れています!
ごはんだけでなく、海外の様子や生活などもシェアしていくので、よかったら見てみてください!チャンネル登録もお願いします!

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