The medical insurance for urban workers in China was gradually implemented from 1999 to 1 in document No.44 issued by the State Council, namely "the State Council's Decision on Establishing the Basic Medical Insurance System for Urban Workers". The main target of social security payment is the employees of enterprises, administrative organs and institutions, and then the freelancers are gradually connected, and the payment method is distributed by the employees themselves in proportion. The overall deposit ratio is 8%, of which the employer pays 6% and the individual pays 2%, and it is set as a medical pooling fund account and a personal account for supervision. Personal contributions are credited to personal accounts, corporate contributions are credited to overall accounts, and 30% are returned to personal accounts according to the average age.
Because the payment base of employee medical insurance is the average monthly salary of employees in the previous year as a reference, when the individual salary of employees is lower than 60% of the average monthly salary of employees in the previous year, it must be paid in strict accordance with 60% of the average monthly salary of employees in the previous year, and its salary is higher than 300% of the average monthly salary of employees in the previous year, it must be paid in strict accordance with 300% of the average monthly salary of employees in the previous year; For freelancers, it refers to the payment method of on-the-job employees. The deposit base is based on the average monthly salary of employees in the previous year, and it is selected between 60% and 300% according to its own economic situation. Because with the improvement of social and economic development level, the average monthly salary of employees will continue to increase, and the endowment insurance premiums paid by employees will continue to increase every year.
Most of the medical insurance payment standards for urban and rural residents are paid according to the requirements issued by the National Medical Insurance Bureau every year. The key to determine the medical insurance payment standard every year is to calculate according to the per capita income level of urban residents in the previous year, China's financial subsidy standard, economic and social development and price increase. Judging from the adjustment in the past three years, most of them are adjusted according to the annual increase in 30 yuan. In 20 19, 220 yuan will be distributed to each person every day, in 2020, 250 yuan will be distributed to each person every day, and in 20021year, 280 yuan will be distributed to each person every day. At the same time, according to the requirements of 30 yuan per person per day, the state subsidy will be increased. For example, 520 yuan in 20 19, 550 yuan per person in 2020 and 580 yuan per person per day in 202 1 year.
Generally speaking, the increase of employees' pension insurance costs is mainly caused by the increase of employees' average social wage, and the increase of medical insurance premiums for urban and rural residents is mainly based on the phenomenon of national economic growth, which is closely related to the improvement of the average income level of the whole country. As long as we explore the future social and economic development, the development trend of increasing the cost of endowment insurance exists.