Flexible employment and social security are cost-effective.

Whether flexible employment and social security are cost-effective cannot be generalized, and it needs to be judged in specific circumstances.

1. On the one hand, it is very cost-effective for flexible employees to pay social security. Because the flexible employee has no work unit, there is no subject of such a work unit to pay social security for him. The only feasible way for him is to participate in insurance as a flexible employment. This is the only choice for this group of people. After paying social security, you can enjoy pension benefits in the future, and you can also enjoy medical insurance reimbursement. Therefore, from this perspective, it is cost-effective for flexible employees to pay social security.

2. On the other hand, flexible employment payment may not be so cost-effective if compared with people working in the unit. Because 8% of the personal burden of social security and endowment insurance paid by employees all goes into personal accounts, and the part paid by the unit goes into social pooling. However, there is no unit to help pay social security for flexible employment, and 20% of them have to pay by themselves, while only 8% of them go into personal accounts, and the remaining 12% is paid by the society as a whole.

For the medical insurance payment of flexible employees, it may be more cost-effective to pay according to the grade of 60%. Because the higher the payment level, the reimbursement rate will not increase, but the amount returned by personal accounts will increase, but from a comprehensive comparison, it may still suffer.

For the old-age insurance, although the pension benefits generated by high-grade payment are higher, from the perspective of cost performance, the grade of 60% may be the most cost-effective.

To sum up, the payment of endowment insurance is a long-term process, and the average social wage in the future is unpredictable, so we should choose a high payment base from the perspective of considering the elderly.

Legal basis:

People's Republic of China (PRC) social insurance law

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The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to get material help from the state and society in accordance with the law when they are old, sick, injured, unemployed and have children.