Increasing the minimum payment period of medical insurance is to ensure the sustainability of medical insurance fund and better protect the medical needs of insured people in their later years.

In recent years, with the aging of population in China, the burden of medical insurance fund has become heavier and heavier. In order to ensure the sustainability of the medical insurance fund and better meet the medical needs of the elderly, many places have successively issued policies to increase the minimum payment period of medical insurance. These policies are mainly aimed at people who have not reached retirement age but meet the conditions of early retirement, requiring them to pay a certain number of years to enjoy medical insurance benefits. Specifically, the policy standards in different regions are not the same, but generally, the insured person is required to pay at least 15 years of medical insurance fees in order to obtain medical security after retirement. The policy of increasing the minimum payment period of medical insurance aims at reducing the burden of medical insurance fund and avoiding the collapse of medical insurance system due to excessive medical expenses. While ensuring the sustainability of the medical insurance fund, it can also better protect the medical needs of the insured in their later years.

What is the impact of increasing the minimum payment period of medical insurance on those who have not participated in medical insurance? Raising the minimum payment period of medical insurance has no effect on those who do not participate in medical insurance, because only those who participate in medical insurance need to reach a certain payment period to enjoy medical insurance benefits. However, with the gradual improvement of the medical insurance system, many areas have implemented the "residents' medical insurance" system, and uninsured residents can also enjoy the corresponding medical security. It is suggested that school-age people actively participate in medical insurance and plan their own pension plan reasonably.

Increasing the minimum payment period of medical insurance is to ensure the sustainability of medical insurance fund and reduce the burden of medical insurance fund while ensuring the medical needs of the insured. It is the duty and responsibility of every citizen to participate in medical insurance and pay medical insurance premiums on time. We hope that the government will intensify medical reform, further improve the medical security system and provide people with higher quality medical services.

Legal basis:

Article 12 of the Social Insurance Law of People's Republic of China (PRC) * * * The employing unit shall pay the basic old-age insurance premium according to the proportion of the total wages of employees stipulated by the state and record it in the basic old-age insurance pooling fund. Employees shall pay the basic old-age insurance premium in accordance with the proportion of wages stipulated by the state and record it in their personal accounts. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employing unit and other flexible employees who have participated in the basic old-age insurance shall pay the basic old-age insurance premiums in accordance with state regulations and record them in the basic old-age insurance pooling fund and individual accounts respectively. Twenty-third employees should participate in the basic medical insurance for employees, and employers and employees should pay the basic medical insurance premiums in accordance with state regulations. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations. Forty-fourth employees should participate in unemployment insurance, and employers and employees should pay unemployment insurance premiums in accordance with state regulations.