How many years to pay for medical insurance to enjoy after retirement

How many years do you have to pay for medical insurance before you can enjoy the basic medical insurance benefits after retirement mainly depends on the regulations of the place where you are insured. Because the social security is a regional coordination, so different regions, may also be different regulations.

According to the current national regulations, medical insurance requires a total of 25 years of contributions to enjoy medical insurance benefits upon retirement.

I. When the insured person reaches the age of 60 for men and 55 for women, the accumulated years of payment of basic medical insurance premiums shall be not less than 25 years for men and 20 years for women, of which the actual years of payment of basic medical insurance premiums must be not less than 15 years, and he/she is entitled to the medical insurance treatment of the retired person. The number of years of deemed contributions to basic pension insurance before the implementation of this Circular shall be deemed to be the number of years of accumulated contributions to basic medical insurance. If the actual or accumulated years of contributions do not meet the minimum years requirement, the medical insurance premiums for the actual years of contributions shall be made up in a lump sum, and if the cumulative years of contributions requirement is still not met, the medical insurance premiums for the cumulative years of contributions shall be made up again before enjoying the retiree's medical insurance benefits. The supplementary medical insurance premiums shall be calculated according to the contribution base and contribution rate at the time of supplementary contribution.

2. Unemployed persons from state-owned enterprises may not be subject to the limitation of accumulated contribution period and actual contribution period if they meet one of the following conditions after enrolling in the insurance and making continuous contributions until they reach the age of 60 years old for men and 55 years old for women.

1. Those who have stopped enjoying unemployment insurance benefits before the implementation of this notice shall go through the procedure of joining the basic medical insurance within 60 days after the implementation of this notice.

2. Those who become unemployed after the implementation of this notice shall go through the procedures of joining the basic medical insurance within 60 days after they stop enjoying the unemployment insurance benefits. Individual insured persons are required to pay 15 yuan per month for medical assistance after retirement, and enjoy the same medical insurance treatment as those who are insured with their organizations.

For the employee health insurance contribution period, this is a question without a standard answer, the local law is not uniform, at least 15 years, the highest 30 years, the difference between different areas of the contribution period is very big; to reach the legal contribution period, after retirement, no longer pay the medical insurance and life-long enjoyment of the health insurance treatment, which is the biggest benefit of the health insurance contribution period.

Legal basis:

The Chinese People's **** and the State Social Insurance Law

Article 23

Employees shall participate in the basic medical insurance for employees, and the employer and the employee shall pay the basic medical insurance premiums in accordance with the state regulations***. Individual industrial and commercial households without employees, part-time workers who do not participate in the basic medical insurance for employees in their employing units, and other flexibly employed persons may participate in the basic medical insurance for employees, and individuals shall pay the basic medical insurance premiums in accordance with the state regulations.

Article 27

Individuals who have participated in the basic medical insurance for employees, and whose accumulated contributions have reached the state-provided number of years by the time they reach the legal retirement age, shall no longer pay the basic medical insurance premiums after retirement, and shall enjoy the basic medical insurance benefits in accordance with the state regulations; if the state-provided number of years has not been reached, the individual may pay the premiums for as many years as the state-provided number of years.