Medical insurance payment base

Anyone who knows something about medical insurance should know that when you pay medical insurance, you usually calculate the premium according to the payment base, but many people don't know how to calculate the medical insurance payment base. Will it be adjusted? The following small series will give you a brief introduction around this issue. Friends in need can read the following article.

First, how to calculate the medical insurance payment base?

Generally speaking, the base of medical insurance payment is the average monthly salary of employees in the previous year. If my average monthly salary in the previous year is lower than 60% compared with the average monthly salary of local employees in the previous year, I need to pay medical insurance expenses at 60%; Above 300%, the excess is not included in the payment base, and I need to pay the medical insurance fee at 300%.

For on-the-job employees, the cost of medical insurance is shared by employees and the company. Among them, employees need to pay medical insurance premiums at 2% of the payment base, and the company needs to pay medical insurance premiums at 10% of the payment base.

Second, the larger the medical insurance payment base, the better?

The base of medical insurance payment is not as big as possible.

When you pay the medical insurance premium, how much you need to pay depends on the payment base. Generally speaking, the larger the payment base, the more expenses individuals need to bear, and the medical insurance expenses that ordinary individuals need to bear are directly deducted from their personal wages.

If the payment base is large, everyone will get less real salary every month, and people with poor economic conditions will be under great pressure.

But for people with better economic conditions, the bigger the base of medical insurance payment, the better. Because employees' medical insurance generally has a personal account, the part they pay and a small part paid by the unit will directly enter the personal account. The more they pay, the more money they have in their accounts.

Third, will the medical insurance payment base be adjusted?

Will adjust, but will not adjust at any time.

Generally speaking, once the medical insurance payment base is determined, it will not be adjusted at any time. Once the declaration is successful and the payment is completed, it can only be adjusted when the payment base is declared in the next year.

In general, the social security payment base and the medical insurance payment base are the same, that is to say, the higher the social security payment base, the higher the medical insurance payment base will be.

When we pay medical insurance fees, if the payment base is relatively high, the more fees we need to pay and the better medical insurance benefits we enjoy.

That's all for the explanation of how to calculate the medical insurance payment base. The general medical insurance payment base is based on the local average wage of employees in the previous year. Different regions have different payment bases and pay different premiums.