How can no unit pay personal social security cost-effectively?

First, how can no unit pay personal social security cost-effectively?

Usually, people without units have two ways to pay social security: flexible employees participate in insurance; The affiliated unit pays social security;

1. Paid by flexible employees: You can participate in two kinds of pension insurance for flexible employees: employee pension insurance and employee medical insurance. There are different payment bases to choose from. Take Changzhou as an example, 2020 will be divided into four grades:

The first gear 16842 yuan;

Second gear 72 16 yuan;

The third gear is 4329 yuan;

The fourth gear is 3368 yuan;

In general, it is enough to pay according to the lowest level.

Second, the affiliated units pay social security, that is, pay social security (five insurances) when the units work.

1, endowment insurance (unit pays 16%, individual pays 8%)

2, maternity insurance (units pay 8%, individuals do not pay)

3. Work-related injury insurance (unit payment 1%, individual does not pay)

4. Medical insurance (unit pays 7.5%, individual pays 2%)

5. Unemployment insurance (unit pays 0.5%, individual pays 0.5%)

Paying social security in the unit is also calculated according to the minimum payment base of 3,368 yuan, and the individual deducts 354 yuan, and the unit pays 849 yuan (the work injury is calculated at 0.4%).

Compared with the personal deduction of social security in the unit, flexible employees pay more.

To sum up, if there is no work unit, individuals have economic pressure or do not believe in national endowment insurance, they can participate in residents' medical insurance at the place where they are registered; If the economic conditions are sufficient and local policies permit, it is recommended to participate in social security for urban workers as flexible employees.