Does the unit still pay medical insurance after retirement?

Retired workers will no longer pay medical insurance. According to the provisions of the Social Insurance Law, if an individual who participates in the basic medical insurance for employees reaches the statutory retirement age and the accumulated payment reaches the number of years stipulated by the state, he will not 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.

Do you still pay medical insurance after retirement?

According to the regulations, retired workers will no longer pay medical insurance. According to the provisions of the Social Insurance Law, if an individual who participates in the basic medical insurance for employees reaches the statutory retirement age and the accumulated payment reaches the number of years stipulated by the state, he will not 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.

After retirement, the unit does not need to pay the basic medical insurance premium. The main reasons are:

First, the nature of social medical insurance determines that social medical insurance should reflect mutual assistance, healthy people help sick people, and retired workers are generally more likely to get sick and are vulnerable people who need social care.

Second, in order to balance the burden of enterprises, provide enterprises with opportunities for fair competition and participate in market competition.

Thirdly, considering that retirees have made contributions to the society during their previous work, their income after retirement is low, especially for retired employees, and there is not enough for the accumulation of medical expenses, so the medical burden is heavy.

What is the scope and object of basic medical insurance?

All employers within the administrative area of this Municipality, including organs, institutions, social organizations and enterprises (state-owned enterprises, collective enterprises, foreign-invested enterprises and private enterprises, etc.). ), provincial units in Beijing and their employees, retired (post) personnel, flexible employees without fixed jobs, file keepers and owners and employees of private individual economic organizations.

What is the proportion of basic medical insurance payment? What is the proportion of payment for participating in civil service subsidies or supplementary medical insurance for employees?

Insured units pay the basic medical insurance premium by 7% of the total wages of employees last month and individuals by 2% of the total wages last month. When the insured reaches retirement age, if the original payment period is less than 15 years, it needs to be supplemented by 15 years.

Institutions and institutions participating in Medicaid for civil servants shall pay 4.5% of employees' salary last month (including work-related injury insurance). Units participating in supplementary medical insurance for enterprise employees shall pay 4% of the employees' salary last month.

How is the proportion of funds allocated to individual medical accounts stipulated?

Under the age of 35, 2.6% of the total wages paid by me shall be credited; 36 to 45 years old, according to 3.2% of the total wages paid by me; 46 years old to retirement, credited to 4% of my total wages; Retired (post) personnel shall be paid according to 5% of their previous year's pension; Institutions and institutions have participated in civil service subsidies or enterprises and institutions have participated in supplementary medical insurance for employees. According to the above age groups, 0.8%, 65%, 438+0.4%, 2% and 2.5% of the payment wages are credited to personal accounts respectively.

Do employees need to pay insurance after retirement?

After retirement, in principle, we should continue to pay medical insurance.

Different regions have different medical insurance policies.

Generally speaking, medical insurance consists of basic medical insurance, large medical mutual assistance and supplementary medical insurance. Basic medical insurance is more common. You can no longer pay after retirement, but you can enjoy the medical treatment of retirees only if you meet certain conditions.

Large medical mutual assistance should continue to be paid after retirement. Supplementary medical care has the nature of unit welfare, which belongs to the supplementary medical insurance established by the employer for employees and is generally no longer paid.

legal ground

Social insurance law

Article 27

Individuals who participate in the basic medical insurance for employees will not pay the basic medical insurance premium after retirement and enjoy the basic medical insurance benefits in accordance with the provisions of the state if they reach the statutory retirement age and the accumulated payment has reached the fixed number of years stipulated by the state; 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.