Is it cost-effective to start paying employee health insurance at the age of 40?

Very cost-effective. According to the current basic medical insurance policy, when reaching retirement age, the payment period of male insured persons is 30 years and that of female insured persons is 25 years. Those who have not reached the prescribed payment period of medical insurance can be liquidated at retirement.

1. Precautions for employees to pay medical insurance: Non-registered employees cannot pay medical insurance, and they need to pay medical insurance at the place where they are registered.

2. Rural residents can apply for urban and rural medical insurance in the village committee. However, some cities have lifted the hukou restrictions. If you are 4050 people (female 40 years old, male 50 years old), you can apply for subsidies for people with employment difficulties in community streets. In this way, there will be some government subsidies when paying medical insurance.

1. The medical insurance of flexible employees is very different from that of ordinary employees, that is, only some individuals pay, no part of the units pay, and there is no money on the medical insurance card. First, when the insured is sick, especially seriously ill, it can reduce the economic burden to a certain extent. Second, when the insured is healthy, the premium paid can be used to help other insured persons, which embodies the spirit of "one person is sick and ten thousand people help each other". Third, eliminate the concerns of the insured. In order to encourage urban residents to participate in insurance, urban residents who meet the insurance conditions set different medical start times according to their insurance time. Within 6 months after the implementation of these measures, the starting period of medical treatment is 3 months, and there is no starting period for minor residents; Six months after the insured (including minor residents, the same below), the medical collection period is one year; After one year, the time limit of Qifubiaozhun is extended to two years; There is no deductible period for low-income residents to seek medical treatment.

2. They participate in the social security of employees in a flexible way. For employees to pay their own social security, they can only choose pension insurance and medical insurance. If women with flexible employment want to receive a pension, they must be at least 55 years old. Compared with on-the-job employees, although they can retire after five years, in addition to the retirement age, they must also meet the conditions of accumulated old-age insurance 15 years, and retire at the age of 55, which is enough.

3. Therefore, taking social security as a flexible employment status is a very suitable choice. Paying social security on behalf of affiliated companies, regardless of retirement age and social security benefits, paying social security benefits on behalf of employees is no different from that of on-the-job employees, but the payment method is very different. On-the-job employees' social security expenses shall be borne by themselves and the unit * * *, and the unit shall pay more. In this case, the payment pressure of employees is relatively small, and a certain service fee needs to be paid to the affiliated company. Generally speaking, it costs a lot. For people with average income, the economic burden is quite heavy.