Is it better to buy first gear or second gear at your own expense?

Buy second gear at your own expense. All right.

The payment base of social security is based on the average salary of local employees in the previous year. The upper limit of social security base is 300% and the lower limit is 60%. The insured can choose the upper and lower payment ratio according to his own situation and needs. If the economy is affluent, you can choose a higher level of social security.

The difference between choosing low-grade payment and high-grade payment

Individuals who pay medical insurance for urban workers can also pay according to the minimum and maximum payment standards published by the local social security department. For example, the payment standard published by Chongqing 20 19 is: 20 19, and the annual payment base for participating in urban workers' medical insurance as an individual and the transfer base of personal account funds during the payment period are 53,400 yuan (4,450 yuan/month). The first file pays 2670 yuan for the whole year, and the second file pays 5874 yuan for the whole year.

The insured is a retiree, but the employee's medical insurance payment period is not full, so he needs to continue to pay the basic medical insurance premium on an annual basis, or he can choose to pay the remaining years in one lump sum. Generally speaking, the choice of payment is low-grade, which is equivalent to paying according to the payment ratio of 4%, all of which are credited to the overall medical fund and not included in the personal account, that is, the money is not returned to the social security card;

If you pay according to the second grade, that is, high-grade payment, which is equivalent to paying according to the proportion of 8%, you will return the money to the social security card according to your age structure. Whether you choose high-grade or low-grade, there is only the difference between returning money and social security card, but it will not affect the proportion of medical reimbursement.

Payment method of medical insurance:

1, all employers in cities and towns, including enterprises (state-owned enterprises, collective enterprises, foreign-invested enterprises, private enterprises, etc. ), organs, institutions, social organizations, private non-enterprise units and their employees must participate in the basic medical insurance. Whether township enterprises and their employees, owners of urban individual economic organizations and their employees participate in basic medical insurance shall be decided by the people's governments of all provinces, autonomous regions and municipalities directly under the Central Government.

2. The basic medical insurance shall, in principle, be based on the administrative regions above the prefecture level (including prefectures, cities and leagues) or counties (cities). In principle, the three municipalities directly under the Central Government, namely Beijing, Tianjin and Shanghai, shall implement overall planning within the city (hereinafter referred to as the overall planning area).