Since April 13, 2021, in accordance with the provisions of the State Council's [2021] No. 14 document, all regions across the country have been promoting the implementation of the reform of the employee outpatient financial security system.

Regarding the reform of the employee outpatient financial security system, it mainly includes four aspects: first, coordinating the protection of ordinary outpatient expenses of employee medical insurance; second, coordinating and promoting the unification of employee medical insurance payment years; third, standardizing and expanding individual

The scope of use of medical insurance accounts; Fourth, improve the methods and levels of medical insurance personal accounts.

According to incomplete statistics, Beijing, Shanghai, Jiangsu Province, Shandong Province, Guangdong Province, Sichuan Province and other regions have issued implementation measures for employee basic medical insurance outpatient financial security and have implemented them one after another.

So starting from January 2023, 3,540 yuan will be uniformly allocated to the individual accounts of retirees’ medical insurance, is it true? According to public information, regions that have issued implementation measures for employee basic medical insurance outpatient financial security will not be included in the individual accounts of employee medical insurance.

The enrollment methods are gradually realizing provincial co-ordination, and the credit standards for individual medical insurance accounts are gradually unified.

According to the regulations on the implementation of employee basic medical insurance outpatient financial security issued by various regions, the vast majority of regions have chosen to determine the amount transferred to the personal medical insurance accounts of retired employees based on the average level of basic pensions in the year when the reform policy was formulated and implemented.

, the transfer ratio is generally between 2% and 3%.

Recently, many retirees have reported that starting from January 2023, retirees’ personal medical insurance accounts will be credited with a one-time transfer of 3,540 yuan per year. Has the standard for crediting personal medical insurance accounts been unified? Is this true? After verification,

It is true that some areas, including Ningbo City, Zhejiang Province, allocate funds to employees' personal medical insurance accounts on an annual basis. This includes not only retired employees, but also allocates funds to the personal medical insurance accounts of current employees on an annual basis.

Way.

Among them, Ningbo City, Zhejiang Province has set up the employee basic medical insurance year from January 1 to December 31 every year since January 1, 2021, and has set up an annual transition period for the employee medical insurance in 2020, from May 1, 2020 to

December 31, ***8 months.

For example, on May 1, 2020, the account of the current employee in 2020 will be pre-deposited for 8 months at a time based on the base amount corresponding to the payment in April 2020.

The monthly transfer standard for retirees' accounts in 2020 is an increase of 10 yuan on the basis of the monthly transfer standard in 2019, and the one-time pre- transfer is for 8 months.

The standards for transferring into personal medical insurance accounts for retirees in 2020 are: retirees under 70 years old, 250 yuan per month, a total of 2,000 yuan for 8 months; retirees 70 years old and above, 275 yuan per month, 8 months

The total is 2,200 yuan.

Starting from 2021, the accounts of current employees will be pre-deposited for 12 months at a time on January 1. The pre-deposited amount will be credited according to the base, personnel type and age group corresponding to the payment in the last month of the previous year.

The proportion is calculated, and the retiree's personal account is transferred according to the amount stipulated in the policy.

Among them, the transfer standards for retirees’ medical insurance personal accounts in 2022 are: retirees under 70 years old, 270 yuan will be transferred monthly, and 270 × 12 = 3240 yuan will be transferred once for the whole year; retirees 70 years old and above will be transferred monthly

295 yuan, a one-time transfer of 295×12=3540 yuan for the whole year.

According to public information, Zhejiang Province has not yet released policies related to the implementation measures for employee basic medical insurance outpatient financial security. In other words, Zhejiang Province has not yet announced new counting methods and standards for employee medical insurance personal accounts.

Therefore, if the above policy continues to be implemented in 2023, retirees in Ningbo City, Zhejiang Province will receive the transfer of medical insurance personal account funds for the entire year of 2023 on January 1, 2023. The standard is: retirees under the age of 70,

280 yuan is transferred every month, and 280×12=3360 yuan is transferred in one time for the whole year; for retirees aged 70 and above, 305 yuan is transferred every month, and 305×12=3660 yuan is transferred all at once throughout the year.

Based on the above situation, starting from January 2023, it is unreasonable to uniformly transfer 3,540 yuan to the individual accounts of retirees’ medical insurance. This is only a policy in some regions and is not a unified standard across the country.

Compared with regions that have announced implementation measures for employee basic medical insurance outpatient financial security, the amount transferred into the personal accounts of retired employees’ medical insurance in Ningbo City, Zhejiang Province is quite high.

For example, Shanghai stipulates that the personal accounts of retirees shall be transferred from the overall fund according to fixed quotas. It will be implemented from July 1, 2023. The standards are: retirees under 74 years old shall be charged 1,680 yuan/year, and retirees over 75 years old shall be paid 1,890 yuan/year.

Yuan/year execution.