Is it cost-effective for individuals to buy urban and rural social security, urban residents' social security and urban workers' social security?

First of all, residents' pension insurance is more cost-effective, but the relative treatment is relatively low, and the cost and treatment are relative. Generally speaking, office workers in cities provide social security for employees. Employees' future pension insurance will be obtained through monthly payment by employers, and individuals and enterprises will jointly contribute to accumulate pensions. At the legal retirement age, men are over 60 years old and women are over 50 years old, which meets the minimum payment period 15 years and is eligible for retirement age pension. The similarity between residents' social security endowment insurance and employees' endowment insurance is that the requirement for payment period is 15. As long as you reach the minimum payment period, you are eligible to retire and receive cash flow of lifelong pension. The difference between residents' social security pension insurance and employees' social security pension insurance is that they need to pay their own premiums, that is, the individual payment model, and there is no enterprise to share. The form of payment is more flexible than employee pension insurance, and they can be insured separately, without having to pay the five insurances together like employee social security pension insurance. In terms of subsidies, residents' social security pensions have financial subsidies, and each level of payment has corresponding financial subsidies to improve the pension level of residents. The higher the level of participation, the higher the level of pension subsidies. Generally speaking, the cost and benefits of employee pension insurance are higher than those of resident pension insurance, but they are not the same, because social security is a municipal overall plan, and the level of social security pension in different regions is different, and the level of payment is also high or low. Generally speaking, where the cost of providing for the aged is high and the treatment is high, the economy and consumption are also developed. For example, the average pension in cities in the north, Guangzhou and Shenzhen is the highest, reaching more than 4,000, and the pension corresponding to the high cost of living is also high. Residents' social security is more cost-effective than employees' social security, but the relative treatment is also lower than employees' social security. In addition to the difference between social security payment cost and treatment, we also talk about the merger and transfer of the two. When your employee's social security pension insurance reaches retirement age, and the payment is less than 15 years, and it is not a general social security account with continuous payment of 10 years, you need to stop employee social security and transfer to social security to continue to participate in the residents' pension insurance, so as to realize the retirement of residents' social security pension insurance. Then, transfer and merge employee social security and resident social security, convert them into resident pension accounts, and finally retire with pensions. Secondly, residents' medical insurance payment cost is low and more economical, but the relative medical reimbursement is relatively low.