Nanchang minimum standard of five insurances and one gold.

In 2022, the minimum payment standards for Nanchang five insurances are as follows: endowment insurance, with units and individuals paying 20% and 8% respectively; Medical insurance, units and individuals pay 12% and 2% respectively; Unemployment insurance, units and individuals pay 2% and 0% respectively; Maternity insurance units pay, individuals do not pay; Work-related injury insurance units pay 2%, and individuals do not pay.

First, Nanchang five insurance minimum payment standard

From June 5438 to October 2022 10, Nanchang employees' basic medical insurance and maternity insurance were merged into Nanchang medical insurance; The upper and lower limits of the base are adjusted to: 3831-19155;

The unit proportion is 8%, and the proportion of individual parts is adjusted to 2%, making a total of 8%. (Make-up exams are required in February 202 1,1-65438+,and the actual base number is 202 1, 65438+ 10);

From June 65438+ 10, 2022, the medical treatment for serious illness in Nanchang was adjusted to 1 yuan/year, of which the unit part was 86 yuan/year and the individual part was 24 yuan/year.

So how big is the cost change before and after the adjustment?

We can see the change of social insurance premium in Nanchang after the adjustment of the base: 20211,and the social insurance premium is 07 yuan, so individuals have to pay 98 yuan.

On June 5438+ 10, 2022, due to the adjustment of the base, the social security fee was calculated as 4 1 yuan according to the minimum payment base, of which individual employees were required to pay 82 yuan.

Summary: Starting from June 5438+ 10, 2022, if calculated according to the minimum payment base, the unit payment in Nanchang will be increased by 5 yuan, and the individual payment will be increased by 86 yuan, so that the total 36 yuan will be increased!

Second, choose the appropriate insurance model.

Because your insurance method is different, it will definitely affect the social security cost, so we must determine the insurance method if we want to pay social security ourselves. Nanchang local hukou can go directly to the Social Security Bureau for medical insurance and endowment insurance, and you can choose your own grade window staff to tell you how much these two insurances cost. If you are a foreign household registration, you should choose social security payment service, so you need to pay special attention to the choice of social security payment base, because the difference of payment base will also affect the monthly social security payment cost of individuals in Nanchang.

How is the social security fee calculated?

If you choose to pay social security by yourself, you must pay special attention to the calculation method of social security expenses. According to the local minimum payment base of 2,842 yuan in Nanchang, your monthly wireless fee is RMB, which is the lowest social security fee and everyone must pay it.

Third, whether to pay the provident fund.

Because we pay the social security fee ourselves, it is entirely voluntary to pay the provident fund. If calculated according to the minimum payment base 1083 yuan, the minimum monthly provident fund fee is 260 yuan. In fact, five insurances and one gold in Nanchang city are about RMB, less than 1 000, which is actually quite cost-effective. If you feel less pressure, you can pay five insurances and one gold in full.