How to choose the payment grade of medical insurance for flexible employees

As flexible employees, they can choose different payment grades in the process of social security payment every year, especially in the process of paying basic old-age insurance. According to the average social wage in your area last year, determine different social security payment indicators between 60% and 300%. Then basically 60% belongs to the minimum payment standard and 300% belongs to the highest payment standard.

The social security department will also give this payment a table, which means that 60% corresponds to how much you need to pay each year. And 300% will also correspond to how much you need to pay every year.

Those who pay social security as flexible employees generally pay old-age insurance and medical insurance for urban workers, and the payment grade is generally between 60% and 300% of the average wage on the job.

There are two main ways for us to pay social security ourselves. Generally speaking, it is best to pay social security according to the lowest grade, as follows:

The first is flexible employment insurance. We pay social security for flexible employment, and the payment amount is 28.5% of the payment base, including 20% for endowment insurance and 8.5% for medical insurance. According to the minimum payment grade, the monthly fee that individuals need to pay is around 800 yuan. Of course, due to the differences in economic development in different regions, the amount of social security paid by different regions is also different.

The second way is that we can also pay social security by calling human resources companies. In this way, individuals need to bear all the expenses, but also need a certain service fee, which requires a lot of expenses. For people with better economic conditions, you can choose this way. Generally, the monthly payment is more than 1 1,000 yuan.

Because the fees paid are relatively high, it is more cost-effective to choose the lowest payment base.

Legal basis:

Article 23 of People's Republic of China (PRC) Social Insurance Law

Employees should participate in the basic medical insurance for employees, and employers and employees should pay the basic medical insurance premiums in accordance with state regulations. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.