In p>222, the medical insurance rebate will be less, will retirees be affected?

it's true relative to employees. However, for retired employees, the amount returned by individual accounts may not necessarily decrease. However, it will not change in 222, but also depends on whether the local government has initiated the reform of the method of recording personal accounts for employee medical insurance. What's actually going on? Let's learn about the cause and effect of employee medical insurance reform.

Employees' medical insurance has a personal account. Before the reform, the amount returned from the personal account included all personal contributions and some corporate contributions. In 221, the General Office of the State Council issued "Guiding Opinions on Establishing and Perfecting the Economic Security Mechanism for Employees' Basic Medical Insurance Outpatients", which clearly pointed out that the method of recording personal accounts should be reformed, and the personal contributions of employees on the job will be paid into personal accounts, and all corporate contributions will be included in the overall fund, and will not be paid into personal accounts again. Therefore, it is only a matter of time before the personal accounts of employees' medical insurance are reduced after the amount of corporate contributions is reduced.

However, for retired employees, individual accounts are allocated by the overall fund according to the budget quota, and the credit line allocated is gradually adjusted to about 2% of the average pension in the overall planning area when the reform was implemented. Before the reform, in some areas, the amount of personal accounts returned by retired employees was linked to personal pension insurance, and a certain proportion was returned. If it is said that the personal pension insurance premium of retired workers is less than the average pension in the past, then after the reform, the return amount will not necessarily decrease, but will increase. In some areas, the budget quota is assigned, and it is not necessarily going down.

in p>222, many provinces and autonomous regions started the reform of medical insurance for workers' outpatient service, and the recording method of personal accounts for workers' medical insurance will also change accordingly. Without exception, the fees paid by enterprises will not go into personal accounts again, and as long as the local reform is carried out, it is undoubted that the personal accounts for employees' medical insurance will be reduced, but it is not certain that the personal accounts for retired workers will be reduced.

Take Beijing as an example. In August, 222, Beijing started the reform of outpatient service for employees. For employees on the job, individuals paid 2%, all of which went into personal accounts. The department's payment will not enter the personal account again. Therefore, the amount of medical insurance personal accounts returned by employees in Beijing will be reduced.

However, the amount returned by retired employees in Beijing has not decreased, or it has remained at two levels. For those under 7 years of age, 1 will be returned to 11 yuan, and after deducting a large amount of mutual help of three yuan, the specific amount returned will be the same as the previous 97 yuan and 17 yuan.

For another example, taking Guangdong as an example, the personal accounts of employees' medical insurance in Guangdong have also been changed to only be credited to individual contributions, so the return of personal accounts of employees must be reduced. Retired workers were transferred from proportional distribution to budget quota, and the credit line was 2.8% of the monthly average amount of pension in 221.

Although it is a general trend that the amount credited to the employee's personal medical insurance account is reduced, it is common, but it does not mean that the insured person is guaranteed to be reduced. Due to the decreased amount of personal account return, it actually went into the overall fund, and the salary reimbursement for outpatient service was improved, which improved the efficacy of mutual assistance and overall planning of medical insurance and improved the utilization efficiency of medical insurance funds. Moreover, the application scope of personal account has also been extended to the home, including the other half, and both parents and children can share the amount of personal account. Therefore, it is not a mistake to reduce the amount of personal accounts.