How much does medical insurance for flexible employees pay a year?

How much does medical insurance for flexible employees pay a year?

Legal Analysis: From June 65438+1 October1February 3 1 February 2022, flexible employees voluntarily participated in the basic old-age insurance for enterprise employees, with the minimum payment base of 4,250 yuan and the corresponding monthly payment standard of 850 yuan; The maximum payment base is 2 182 1 yuan, and the corresponding monthly payment standard is 4364.2 yuan. Flexible employees voluntarily participate in unemployment insurance and pay a fixed fee. From June 65438+1 October 1 to February1in 2022, the payment standard was adjusted to 85 yuan/month. Flexible employment personnel to pay medical insurance standards temporarily according to the 380 yuan/month implementation.

Legal basis: People's Republic of China (PRC) Social Insurance Law.

Article 2 The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law in case of old age, illness, industrial injury, unemployment and maternity.

Twenty-sixth basic medical insurance for employees, new rural cooperative medical care and basic medical insurance for urban residents shall be implemented in accordance with state regulations.

Twenty-eighth medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency treatment and rescue shall be paid by the basic medical insurance fund in accordance with state regulations.

Flexible employment and poor medical insurance.

What are the reasons for the loss of flexible employees and medical insurance? Many people say that it is too bad to pay medical insurance for flexible employment, because paying medical insurance for employees with flexible employment is flexible employment. Different from employees paying employee medical insurance, flexible employees must bear all the payment quotas themselves, and they need to pay monthly. Compared with the residents' medical insurance that pays the annual fee, the payment pressure is great.

What are the reasons for the loss of flexible employees and medical insurance?

Many people say that it is too bad to pay medical insurance for flexible employment, because paying medical insurance for employees with flexible employment is flexible employment. Different from employees paying employee medical insurance, flexible employees must bear all the payment quotas themselves, and they need to pay monthly. Compared with the residents' medical insurance that pays the annual fee, the payment pressure is very great.

However, it should be noted that although the employee medical insurance premium paid by flexible employment status is very high, it is much greater than the loss of residents' medical insurance. The greater advantage of employee medical insurance is that it has lifelong medical insurance reimbursement benefits. As long as you pay for a certain period of time before retirement, you can finally enjoy medical insurance reimbursement for free. When residents' medical insurance does not have that kind of treatment, even if they retire, they still have to pay fees to get medical insurance.

In addition, if the relevant personnel without work units think that it is very stressful to participate in employee medical insurance as flexible employees, they can choose a lower payment level on the one hand and participate in basic medical insurance for urban and rural residents on the other, so that although the coverage is not as good as employee medical insurance, they can also reimburse 50% of the medical expenses in the medical insurance catalogue, which is the most basic guarantee.

There is no compensation for flexible employment and payment of medical insurance. Although the cost of paying medical insurance for employees is high, there are also many medical insurances. The insurance premium for participating in residents' medical insurance can be paid annually, and the most basic guarantee can be obtained. As flexible employees, it is best to participate in social basic insurance within their own capabilities.

Never do flexible employment medical insurance.

1, the insured population is different.

China's medical insurance is mainly divided into two types, namely, employee medical insurance and resident medical insurance, and different medical insurance payers are also different. Individuals who do not have a fixed work unit can choose to participate in employee medical insurance or resident medical insurance. If you pay employee medical insurance as a flexible employee, it is commonly known as the flexible employee medical insurance insured. If you pay the residents' medical insurance, you are the insured of the residents' medical insurance. In addition to flexible employees, the elderly and children can also participate in residents' medical insurance.

2. Different payment methods.

If flexible employees pay employee medical insurance, they need to pay medical insurance fees every month. Once the supply is cut off, it may affect the enjoyment of medical insurance benefits. Residents' medical insurance is paid once a year. Pay a year's fee and you get a year's medical insurance. If you miss the centralized payment time, you may not be able to pay it.

3. The reimbursement rate is different.

Flexible employees pay a high proportion of employees' medical insurance reimbursement, while residents' medical insurance reimbursement is relatively low.

4. The medical insurance account is different.

The employee medical insurance paid by flexible employees usually establishes a personal medical insurance account, and a part of the money is returned to the personal medical insurance account every month, which can be used to buy medicine in designated pharmacies or see a doctor in designated hospitals. The specific method of use may be different in different places. With the popularity of the family-based personal account system, personal accounts will play more roles. Urban and rural residents do not have personal accounts for medical insurance and cannot enjoy this treatment.

In addition, if flexible employees participate in employee medical insurance, they can enjoy free payment after retirement after the payment period reaches the prescribed limit. You can't participate in residents' medical insurance, and you have to pay all the time.

How to pay personal social security is the most cost-effective.

First, how individuals pay social security is the most cost-effective.

1. The situation that you need to pay social security by yourself is as follows:

Unemployed residents, full-time wives or husbands with local household registration, etc. These people need to pay their own social security. These people can pay social security, medical insurance and endowment insurance in a few areas, which are all bound, and most areas can pay medical insurance separately;

Individual industrial and commercial households without employees, part-time employees who are unemployed or buy endowment insurance, and freelancers are required to pay social security by themselves. These people can pay employee social security and resident social security;

People who are temporarily unemployed and have not paid insurance in the company also need to pay social security themselves. If you want to retire, you can pay according to the social security of residents. If you want to be a freelancer, you should deal with it in the second case.

2. Legal basis: Article 2 of People's Republic of China (PRC) Social Insurance Law.

The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law when they are old, sick, injured, unemployed and have children.

2. What are the calculation methods of personal social insurance premiums?

The calculation method of individual social security contributions is as follows:

1, paid by the company. That is, units and individuals pay the same fees. In this way, the part paid by the unit and the part paid by the individual shall be paid according to a certain proportion of the average monthly salary of the individual in the previous year. The individual part is paid according to 8% of the average salary of the individual in the previous year, 2% for medical insurance and 0.5-1%for unemployment insurance;

2. Individuals pay social insurance as freelancers. According to the prescribed payment base, pay according to a certain proportion. The local regulations are different. Endowment insurance is generally paid at the rate of 18-28%, and medical insurance is generally paid at the rate of 6- 10% of the local average wage level in the previous year.

How to pay social security yourself after leaving your job

The way to continue to pay social security after leaving the company is as follows: 1. Company payment: users can make social security loans in payment institutions, and generally can pay five insurances when paying social security. Users only need to bear the expenses paid by individuals and companies themselves, and general payment institutions will charge a certain service fee; 2. Individual contributions: individuals can only pay three insurances at most, namely unemployment, medical care and pension. Individuals can go directly to the local social security payment place with relevant certificates, then choose the grade they want to pay at the counter and pay according to the requirements of the staff. According to the relevant laws and regulations, individual industrial and commercial households without employees, part-time employees who have not participated in social insurance in the employer and other flexible employees can pay social insurance premiums directly to the social insurance premium collection agency.

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

Article 60? The employing unit shall declare itself and pay social insurance premiums in full and on time, and shall not postpone or reduce the payment except for legal reasons such as force majeure. The social insurance premiums that employees should pay shall be withheld and remitted by the employer, and the employer shall inform me of the details of paying social insurance premiums on a monthly basis. Individual industrial and commercial households without employees, part-time employees who have not participated in social insurance in the employing units and other flexible employees can pay social insurance premiums directly to the social insurance premium collection agencies.