Can self-employed people buy social security?

Self-employed people can buy social security.

Individual operators can voluntarily participate in social insurance, apply to social insurance agencies for social insurance registration and pay social insurance premiums without employing units. You can pay pension and medical insurance, but you can't pay maternity insurance yourself, because maternity insurance is paid by enterprises and employees don't need to pay it. For self-employed households with rural hukou, they can also purchase social security, including basic medical insurance and basic old-age insurance. Eligible rural residents can receive the new rural social endowment insurance on a monthly basis, and the basic medical insurance pays the corresponding medical expenses from the basic medical insurance fund according to state regulations.

Social security payment method of self-employed:

1. Directly participate in social insurance through self-employed: self-employed individuals can voluntarily choose to participate in social insurance according to local social security policies and pay corresponding insurance premiums according to regulations;

2. Participate in social insurance through employee status: self-employed individuals who have employee status at the same time can participate in social insurance through their units;

3. Participate in social insurance through the status of flexible employees: some areas provide social insurance payment policies for flexible employees, and self-employed individuals can pay social insurance according to the standards of such personnel;

4. Participate in social insurance through family members: if the family members of self-employed individuals are employees, self-employed individuals can participate in social insurance as the insured objects of family members;

5. By participating in social insurance for urban and rural residents: self-employed individuals can also choose to participate in basic old-age insurance and medical insurance for urban and rural residents and enjoy basic social security benefits.

To sum up, self-employed individuals can voluntarily participate in social insurance, including pension and medical insurance, but they cannot pay maternity insurance by themselves. Self-employed households with rural hukou can also purchase social security, including basic medical insurance premiums and basic old-age insurance premiums, and enjoy corresponding treatment and medical expenses payment.

Legal basis:

People's Republic of China (PRC) social insurance law

Article 4

Employers and individuals in People's Republic of China (PRC) pay social insurance premiums according to law, and have the right to inquire about payment records and personal rights records, and require social insurance agencies to provide social insurance consultation and other related services. Individuals enjoy social insurance benefits according to law and have the right to supervise the payment of their own units.