What is the most cost-effective way to pay for social security on your own?

If you are not in the workforce, social security contributions do not have a unit to pay, it is possible to buy social security with the status of flexible employment, and this is best to pay in a timely manner on their own, do not break the file.

Flexible employment personnel to pay social security is mainly pension insurance and medical insurance the two main types of insurance, these two insurance on the individual is very useful, in the payment of 15 years, to reach the legal retirement age (male After paying 15 years of contributions to the statutory retirement age (60 years old, 55 years old), you can receive a pension, including the basic pension and personal account pension, their old age has a relatively fixed protection; and medical insurance is even more important, the disease of such things who can not say, especially after the people old, with this insurance can not worry, especially after the big disease of their own part of the burden will not be too much.

Some people think that it is not cost-effective for flexible workers to pay for pension insurance, mainly because they think that individual contributions are higher than those paid by the organization, and very little goes into the individual account, and that the rate of reimbursement for health care is not as high as that of urban workers. It is true that there is such a situation, but there are units to pay, who still pay their own? Individual payment is not necessarily uneconomical, why compare with others who have units.

Recently, the Ministry of Human Resources and Social Security has also responded to this issue, for the "personal insurance" is not "unit insurance" pension problem, the response that in the contribution base, contribution period and other factors are the same situation, flexible employment and unit workers will receive a pension after retirement. In the case of contribution base, contribution period and other factors are the same, flexible employment personnel and unit workers after retirement to receive the basic pension is exactly the same, but there is a difference in the personal account pension.

The employer and the individual employee should pay the basic pension insurance premiums in full and on time in accordance with the state regulations. 16% of the unit's contribution is credited to the general fund, and 8% of the individual's contribution is credited to the individual account.

And the flexible employment personnel voluntarily participate in the insurance, in the province of the previous year the full caliber of the average salary of urban units of employees between 60% and 300% of the contribution base of their own choosing, the contribution rate of 20%, of which 12% credited to the integrated fund, 8% credited to the individual account.

Based on the above comparison, it can actually be seen that there is indeed a difference between the two.

The urban and rural residents' pension insurance contribution standard has several grades to offer choices, but the urban and rural residents' medical insurance participants' contribution standard is a fixed amount. Flexibly employed people participating in employee pension insurance, the contribution base is a certain percentage of the local social wage of the previous year, divided into several grades, the minimum is 60% of the social wage, the highest is 300%, special hardship families can also enjoy preferential treatment.

According to the situation in each place, the current general pension insurance contribution of 100 yuan, 200 yuan, 300 yuan, 400 yuan, 500 yuan, 600 yuan, 700 yuan, 800 yuan, 900 yuan, 1,000 yuan, 1,500 yuan, 2,000 yuan, 12 grades, and in some places, according to the actual situation of the contribution of additional grades.

Flexible employment personnel to pay their own contributions to participate in the insurance, you can choose according to their own financial ability in the above brackets, but whether they pay or unit to pay, adhering to the principle of: pay more, pay more, pay more, there is no payment of that kind of bracket the most cost-effective argument .

No matter what, personal social security are still to pay.