Flexible employment medical insurance has the lowest cost performance.

There are two ways for individuals to pay social security, one is to participate in employee medical insurance as a flexible employee, and the other is to apply for medical insurance for urban and rural residents. Among the two medical insurance options, people think that the medical insurance for flexible employees has the lowest cost performance. The main reasons are as follows:

1. The advantage of medical insurance for flexible employees is that the medical insurance benefits are high. A personal account for medical insurance is set up, and the payment period is calculated cumulatively. In other words, employees can enjoy the medical insurance benefits of retirees without paying any fees after reaching the retirement standard. The disadvantage is that the payment amount is relatively high, and the medical insurance expenses of flexible employees are all borne by individuals, and the proportion of medical insurance payment is generally between 8%- 12%;

2. The advantage of medical insurance for urban and rural residents is that the payment standard is low and can be paid once a year. Many city social security bureaus have set up more than a dozen grades for individuals to choose from. Individuals can measure their ability to pay according to their own economic situation and comprehensively choose the grade that suits them best. As for the disadvantages of residents' medical insurance, the protection is not enough. The proportion of medical insurance reimbursement for general employees is 70%, and that for residents is about 50%. In other words, if an individual participates in residents' medical insurance, the hospitalization expenses will be more than that of flexible employment medical insurance in the future. Flexible employees need to meet certain conditions to pay social security contributions and enjoy social security subsidies. Generally, you can only participate in your own basic old-age insurance and basic medical insurance in the form of flexible employment. At the same time, you must be such a group with employment difficulties, not a group of individual industrial and commercial households.

legal ground

Article 10 of the Social Insurance Law of People's Republic of China (PRC) stipulates that employees shall participate in the basic old-age insurance, and the employer and employees shall jointly pay the basic old-age insurance premium. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employer and other flexible employees can participate in the basic old-age insurance, and individuals pay the basic old-age insurance premium. The measures for the endowment insurance of civil servants and staff managed by reference to the Civil Service Law shall be formulated by the State Council.