Which is more cost-effective for residents to apply for 3400 yuan medical insurance or 3000 yuan medical insurance?

More than 3000 yuan is cost-effective. As can be seen from the local notices, the basic medical insurance financing standard and per capita financial subsidy standard for urban and rural residents are basically 6 10 yuan per person per year, and the individual payment standard is 350 yuan per person per year. There are also a few areas where the individual payment standard is higher than that of 350 yuan because of the different starting point and treatment level. Especially in Guangzhou, except for students at school, other residents paid 528 yuan to give financial assistance to 790 yuan.

After the payment standard was announced, some netizens spoke out: the price has increased again! I can't afford it! Participants in employee medical insurance are a little uneasy when they see the payment standard in 350 yuan: Why do we have to pay 4,000 to 5,000 yuan for employee medical insurance and even 7,000 to 8,000 yuan for residents' medical insurance every year? What a difference! Especially for flexible employees working in cities, some choose to pay medical insurance for urban and rural residents, while others choose medical insurance for urban workers. What is the difference between them? Are they losing money?

First of all, how much do you have to pay for employee medical insurance? Employee medical insurance payment amount = I pay salary base × rate I pay salary base, and the minimum amount is 60% of the average salary in the last year as a whole. Flexible employees pay medical insurance for employees, and 60% of the average salary of employees in full-caliber urban units in the province in the previous year is the payment base, and I pay according to the payment ratio of 10%. For example, the average salary of employees in full-caliber urban units in your area is 6,000 yuan, and the 60% approved payment base is 3,600 yuan. Monthly payment is 3600× 10%=360 yuan; Payment of basic medical insurance in 2022: 360× 65438+February =4320 yuan. In addition, if the payment amount of sickness insurance is increased, flexible employees will have to pay almost 5,000 yuan for employee medical insurance.

The medical insurance system for employees is mainly based on municipal co-ordination, and the payment level varies from city to city, but the rate in most areas is around 8%~ 10%, and the minimum annual payment is more than 4,000 yuan. In a few areas, the proportion (rate) of medical insurance payment for flexible employees is low, or the amount of payment is low by setting up stalls for "single construction and overall planning" (not enjoying personal accounts for medical insurance).

So for most areas, 350 yuan PK is more than 4000 yuan. Why are the payment standards of the two medical insurances so different? What are their main differences?

1, pooling funds of different residents' medical insurance financing standards = financial subsidies+individual contributions. For example, the financial subsidy in most areas is 6 10+350=960 yuan, that is, the actual financing standard this year is not lower than that of 960 yuan. And employee medical insurance, under normal circumstances, there is no financial subsidy.

2. Personal accounts provide different medical insurance benefits to the insured, and the personal account of social security card (medical insurance card) will be recorded every month, which is mainly used for purchasing drugs and outpatient treatment. There is no personal account for urban and rural residents' medical insurance, which can only be reimbursed by the overall fund.

3. Different reimbursement standards Generally speaking, the employee medical insurance reimbursement standard (proportion) is higher than the resident medical insurance reimbursement standard. The specific deductible line, reimbursement ratio and reimbursement ceiling vary from region to region. The Notice of the National Medical Insurance Bureau and other departments on Doing a Good Job in Basic Medical Security for Urban and Rural Residents in 2022 stipulates: stabilize the level of hospitalization treatment for residents' medical insurance and ensure that the proportion of fund payment is stable at around 70% within the policy scope. The overall reimbursement rate of employee medical insurance is generally higher than that of resident medical insurance.

4. Medical insurance for residents with different retirement benefits shall be paid annually, 1 year, 1 year. No matter how old you are, you need to pay annually (a few areas have preferential policies for the elderly). Employees retire after a certain number of years of medical insurance payment, no longer pay, and enjoy medical insurance benefits for life. There are differences in the minimum payment period of medical insurance for employees in different regions. In most areas, women are required to pay for more than 20 to 25 years, and men pay for more than 25 to 30 years.

Due to the above reasons, the payment standard of employee medical insurance is much higher than that of resident medical insurance.

If you are a flexible employee, what kind of medical insurance should you choose to pay? If economic conditions permit, you want to enjoy employee medical insurance benefits for life after retirement, or you have paid employee medical insurance for many years before going to work (you don't want to waste it), then you choose to pay employee medical insurance as a flexible employment individual. If the current economic conditions are tight, residents' medical insurance is also a good choice, and the financial subsidy is more than 6 10 yuan per person! Within the scope of national policy, the proportion of hospitalization reimbursement is about 70%, and the upper limit of annual hospitalization reimbursement is generally above100000 yuan, or even several hundred thousand yuan.