What about medical insurance after formal retirement?

After retirement, if the employee's medical insurance payment period reaches the fixed number of years stipulated by law, it is not necessary to continue to pay medical insurance, and he can enjoy medical insurance according to law. Those who have not reached the payment period stipulated by the state can pay for the period stipulated by the state, and then enjoy medical insurance according to law.

1. Pay the medical insurance premium in advance until the expected retirement month.

Insured units should pay medical insurance premiums in full for employees in time until they reach the statutory retirement age; Flexible employees who are about to reach the statutory retirement age should pay medical insurance premiums in advance to the expected retirement month.

2. Apply for medical insurance retirement in the month when reaching the statutory retirement age.

Insured units and flexible employees shall submit the Application Form for On-the-job Retirement Medical Insurance to the medical insurance department at the same time, and the medical insurance department shall accept the on-the-job retirement business in advance. After the pension retirement procedures are completed, the medical insurance department shall fill in the relevant examination and approval materials for pension retirement in time, and handle the change procedures of medical insurance from "on-the-job" to "retirement".

3. Pay a one-time medical insurance retirement fee.

Insured units and flexible employees should pay the one-time medical insurance retirement expenses in time according to the expense standards approved by the medical insurance department, and judge the waiting period and enjoyment period of the basic medical insurance retirement benefits with the "advance receipt" time; If it is not paid in time due to the reasons of the unit or individual, the waiting period and enjoyment period of the basic medical insurance retirement benefits shall be determined according to the actual payment arrival time.

4. Payment methods of medical insurance for urban and rural residents

Medical insurance for urban and rural residents is also the basic medical insurance in our society, and the reimbursement ratio is slightly lower than that for urban workers. The old-age insurance for urban and rural residents is paid on an annual basis, and now the minimum standard is 180 yuan/year, which is relatively high in economically developed areas.

Urban residents' medical insurance is a medical insurance system with urban minors and unemployed residents who have not participated in urban workers' medical insurance as the main participants.

Legal basis:

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

Article 12 The employing unit shall pay the basic old-age insurance premium according to the proportion of the total wages of employees stipulated by the state and record it in the basic old-age insurance pooling fund. Employees shall pay the basic old-age insurance premium in accordance with the proportion of wages stipulated by the state and record it in their personal accounts. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employing unit and other flexible employees who have participated in the basic old-age insurance shall pay the basic old-age insurance premiums in accordance with state regulations and record them in the basic old-age insurance pooling fund and individual accounts respectively.

Twenty-seventh individuals who participate in the basic medical insurance for employees, when they reach the statutory retirement age, will no longer pay the basic medical insurance premium after retirement and enjoy the basic medical insurance benefits in accordance with state regulations; Those who have not reached the fixed number of years prescribed by the state may pay the fees to the fixed number of years prescribed by the state.

Article 60 The employing unit shall declare on its own and pay social insurance premiums in full and on time. Except for legal reasons such as force majeure, the payment shall not be postponed or reduced. The social insurance premiums that employees should pay shall be withheld and remitted by the employer, and the employer shall inform me of the details of paying social insurance premiums on a monthly basis. Individual industrial and commercial households without employees, part-time employees who have not participated in social insurance in the employing units and other flexible employees can pay social insurance premiums directly to the social insurance premium collection agencies.