Financial subsidy for residents' medical insurance in 2023 6 10 yuan. How do you know where the money is?

China's basic medical insurance for urban and rural residents is based on the spirit of "the State Council's Opinions on Integrating the Basic Medical Insurance System for Urban and Rural Residents", which combines the original new rural insurance with the social medical insurance for urban and rural residents, establishes unified rules and regulations for the basic medical insurance for urban and rural residents, and basically unifies the payment norms, payment methods, expense reimbursement and salary treatment, system management and financial subsidy norms for the basic medical insurance for urban and rural residents.

The minimum payment standard of basic medical insurance for urban and rural residents is jointly issued by the National Medical Insurance Bureau and the Ministry of Finance every year, and the method of combining state subsidies with individual contributions of insured persons is adopted. According to the spirit of the notice issued by the National Medical Insurance Bureau, the basic medical insurance funding standard for urban and rural residents in 2023 is 960 yuan per person per day, which is also the highest in recent years. Among them, individuals pay 350 yuan, and the financial subsidy is 6 10 yuan. In fact, this model did not start from this year. After the establishment of the new rural cooperative medical system, there are financial subsidies every year. However, due to the insufficient publicity of the current policy, farmers feel that they have paid money and are not willing to pay part of the financial subsidies.

As the title of this article shows, the financial subsidy standard in 2023 is 6 10 yuan per person per day. How the money is subsidized and where the subsidy goes are generally incomprehensible to the insured. Many people don't know where the money will be subsidized, which is normal. Every year, when urban residents pay residents' medical insurance, there is a time for centralized payment. According to the international practice for many years, the period from September 1 day to February 1 day belongs to the annual centralized payment time of basic medical insurance for urban and rural residents.

During the centralized payment period, the social security payer pays in the tax APP or the bank counter designated by the tax authority according to the payment method provided by the tax authority and the standard of 350 yuan per person, which is also a part of individual payment; The financial subsidy is not included in each insured person's head, nor is it immediately subsidized to each insured person's bank account. On the contrary, one person pays according to the insured person's payment account. After the end of the centralized payment period, the financial department will directly allocate the subsidy budget to the bank account of the medical insurance fund according to the number of people or in batches.

This is a bit like the payment of employee medical insurance. Medical insurance for employees is distributed and paid by employees in proportion, but the enterprise deducts a part from employees' wages every month, and the part paid by the enterprise can be directly transferred to the medical insurance fund account designated by the tax authorities. The classification of state subsidies is somewhat similar to the classification of unit contributions, and employees themselves do not clearly feel that residents with financial subsidies pay for medical insurance.

Because the medical commercial insurance for urban and rural residents is based on municipal overall planning at this stage, it is actually a medical insurance fund raised by counties, including individual contributions and financial subsidies, which is managed and used by the municipal medical insurance department in a unified way, which can adjust the medical insurance funds of counties and ensure the payment ability of medical insurance funds. According to the regulations, the medical insurance reimbursement ratio of urban and rural residents' basic medical insurance needs to reach 70% on average, but it is difficult to ensure that the medical insurance fund has sufficient payment capacity only by paying 350 yuan for each urban resident.

In order to solve the problem of insufficient individual contributions of the insured, the Finance Bureau must give a lot of subsidies, and the financial subsidy standard will be significantly higher than the individual contribution standard. If there are savings in the current year, they will be automatically transferred to the next year for application, or used to pay urban residents' critical illness insurance. Therefore, some insured persons with financial subsidies are really invisible and intangible. The financial subsidy is related to the payment account of the insured. In other words, if you pay the fee at the beginning, the Finance Bureau will immediately transfer it to the medical insurance fund according to the subsidy of the payment account. Once there is no payer, the Finance Bureau will no longer give subsidies.

Generally, financial subsidies put money under the pressure of the central budget and government finance. The central and western finance bureau subsidizes the money according to the average subsidy standard of 80%, and the rest is borne by the government finance. The central and western regions are subsidized by 60% according to the average subsidy standard, and the rest is borne by the government finance; The eastern region will be subsidized according to a certain proportion, and the rest will be borne by the government.

Generally speaking, in 2023, the basic medical insurance for urban and rural residents will still take various forms of state subsidies and individual contributions. On the premise of paying 350 yuan every year, the financial subsidy is 6 10 yuan, and the overall financing standard is 960 yuan. Financial subsidies are not subsidized to resident enterprises, but transferred to medical insurance fund accounts. I can't see or touch them, but financial subsidies are already included in medical insurance reimbursement wages.