How can I buy personal social security without a unit?

When an individual has no work unit, he can purchase social security in the following ways:

1, find the social security agency. You can entrust a qualified social security agency to pay social security, and all expenses (including insurance and possible agency fees) are borne by individuals. When choosing an intermediary agency, we should pay attention to whether there are labor dispatch licenses and human resources service licenses, and review their qualifications. At the same time, we should pay attention to avoid being cheated by hidden charges, ensure that agencies provide one-on-one services, and avoid outsourcing business again.

2. Insure as a flexible employee. Flexible employees can go through relevant formalities in local social security agencies and voluntarily participate in endowment insurance and medical insurance.

Insure as an individual industrial and commercial household. Individual industrial and commercial households need to hold a business license to the local social security agency, and can participate in endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance.

3. Remittance through a third-party institution. You can sign a remittance agreement with a human resources company or an insurance agency, and they will pay social security fees on their behalf. When choosing an institution, we must confirm its regularity and credibility.

4. Go to the Social Security Bureau to pay by yourself. Individuals can directly go to the local social security agency to consult the relevant policies, understand the specific operation process of paying social security by themselves, and provide the required materials, such as personal ID card and household registration book, and go through the relevant procedures.

How much social security does an individual have to pay a month? It depends on the specific situation:

1, employee social security. Individuals need to bear nearly one-third of the social security expenses a month, that is, from 400 yuan to 600 yuan. According to the payment base, the individual's monthly social security fee is about 1.300- 1.500 yuan, but actually only 400-500 yuan is needed.

2. Flexible employment and social security. All of them need to be borne by individuals, and the monthly cost is about 1000 yuan. If you choose the lowest grade to pay endowment insurance and participate in medical insurance and unemployment insurance at the same time, you have to pay nearly 1,000 yuan a month. But the specific amount should be determined according to the payment base of the year.

3. Social security for urban and rural residents. It only includes medical insurance and old-age insurance, in which the personal payment standard of medical insurance is 280-290 yuan per year, and the personal payment standard of old-age insurance is 300-6000 yuan per year, so the personal social security of urban and rural residents only needs to bear tens to hundreds of fees every month.

To sum up, individuals without units can go to local social security agencies or online platforms to apply for personal social security. In the process of handling, you need to know the local policies and regulations, prepare relevant certificates and materials, fill in the information, and pay social security fees as required.

Legal basis:

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

Article 10

Employees shall participate in the basic old-age insurance, and the employer and employees shall jointly pay the basic old-age insurance premium.

Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employer and other flexible employees can participate in the basic old-age insurance, and individuals pay the basic old-age insurance premium.

The measures for the endowment insurance of civil servants and staff managed by reference to the Civil Service Law shall be formulated by the State Council.