How to pay cost-effective medical insurance for flexible employees

Individuals pay social insurance in two forms:

1, paid by the unit: the unit and the individual pay the same fee according to the ratio of * * * *, and the individual pays 8% of the average salary of the individual in the previous year, with medical insurance 2% and unemployment insurance 0.5-1%;

2. Individuals pay social insurance with flexible employees: according to the prescribed payment base and proportion, it varies from place to place. Endowment insurance is generally paid at the rate of 18-28%, and medical insurance is generally paid at the rate of 6- 10% of the local average social wage level in the previous year.

Individuals participating in social insurance:

1. You need to apply to the social security bureau where you live. Procedures include: my ID card, two recent bareheaded one-inch photos, insurance premium, application form, etc. And can only apply for pension and medical insurance; How much to pay is calculated according to the local social wage of the previous year, which is different every year. In addition, it is also stipulated that the lowest grade and the highest grade are not less than 60% of the average monthly salary of social workers, and the highest grade is 300% of the average monthly salary of employees. Generally, the lowest grades are mostly.

2 urban individual industrial and commercial households and flexible employees to participate in the basic old-age insurance payment base for the local average wage of employees in the previous year, the payment ratio is 20%, of which 8% is credited to personal accounts. After retirement, the basic pension will be paid according to the basic pension plan for enterprise employees.

Individuals who pay social security can only pay pension and medical insurance. The specific analysis is as follows: how do individuals pay social security (pension+medical care) as freelancers; Entry conditions: local residents; Location: local community street social security service point, or district and county social security bureau (labor security bureau); How to pay the basic information needed by individuals on social security issues: household registration book, ID card and photocopy, and two 1 inch photos; Payment standard: based on the local social wage in the previous year, the proportion of pension payment is 20%, and that of medical care is about 9%. At present, 80% and 100% are still available.

Legal basis: People's Republic of China (PRC) Social Insurance Law.

Article 2 The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law in case of old age, illness, industrial injury, unemployment and maternity.