What are the advantages and disadvantages of affiliated companies and paying social security by myself?

What are the advantages and disadvantages of affiliated companies and paying social security by myself? What is the difference between a registered company paying social security and paying social security by itself? In fact, the social security paid by the registered enterprise unit forms a virtual labor contract with this enterprise unit, and the social security salary is calculated according to the contribution ratio of the employees in the company. Relatively speaking, employees in the company also need five kinds of commercial insurance to participate in the insurance. In other words, the five major types of commercial insurance, namely, endowment insurance, employee medical insurance, unemployment insurance, industrial injury insurance and maternity insurance, all need to be insured.

If we pay by ourselves, we can pay through flexible employment. Because we have to pay through flexible employment, we can only choose endowment insurance and employee medical insurance. Therefore, relatively speaking, there are only two types of insurance for flexible employees, so these two types of insurance together should bear at least 24% of the payment, because social endowment insurance only needs to bear 20%.

However, when we register the payment of enterprises, there will be strict regulations on the payment ratio, in which the payment ratio of endowment insurance will be 16%, and individuals will have to bear 8%, that is, 24%. In that case, the enterprise must bear 6% and the individual needs to bear 2%, so you are 8%. Individuals need to bear 0.5% of unemployment insurance, and enterprises must bear 0.5%, so you are 1%. I don't undertake maternity insurance, enterprises must undertake 0.5%, industrial injury insurance, and enterprises must undertake about 0.5%, so the sum of the two is 1%.

On the whole, social pension insurance is 24%, medical insurance is 8%, unemployment insurance is 1%, maternity insurance is 0.5%, and industrial injury insurance is 0.5%, so the total amount of each payment is about 34%. Therefore, it is obviously greater than the proportion of social security contributions borne by individuals with flexible employment.

So if I choose flexible employment to participate in my social security benefits, I can effectively alleviate my economic pressure. Naturally, some people are special. Because its long-term residence and registered permanent residence are not in the same area, if I participate in this social security treatment in the form of flexible employment, I must go back to my registered permanent residence, so I said I don't want to participate in personal social security payment in my registered permanent residence. In this way, only enterprises can be selected for certificate registration. After all, you can experience the medical insurance reimbursement treatment in your region by participating in personal social security according to your region. At the same time, individual medical insurance accounts can be applied directly in your area, which is relatively convenient.

However, the marginal benefits of the economic pressure they bear are very large, which they fully accept first. Under the premise of their complete acceptance, it is no problem for them to register for insurance. If they say that they can't afford such a huge payment and don't want to bear such a high payment, then I still choose to pay in the form of my flexible employment, and most of the society will choose to pay in the form of their own insurance.