What should I do after Wuhan social security stops for one year?

It doesn't matter if you don't go through the formalities. You can't surrender now (you have to go abroad to settle down, work or retire at retirement age), and it will be recorded in the social security system. The minimum insurance period can be summed up as 15. If you join the same city in the future, it will automatically accumulate.

No need to return it. It is estimated that the retirement age is still far away (60 men and 50 women), and there are plenty of opportunities to pay. And the individual's own payment is not low. Wuhan pension plus medical care is estimated to be at least 500-600 (Hangzhou is at least 700).

Individuals who participate in social security as freelancers can only participate in pension and medical care at most. Whether medical care is paid or not depends on personal opinion.

You must have a local account if you want to pay as a freelancer. Non-local hukou is not allowed (of course, it is only allowed if you have paid in this city for more than 10 years or are engaged in special industries, such as taxi drivers).