China's basic medical insurance for urban and rural residents is based on the spirit of "the State Council's Opinions on Integrating the Basic Medical Insurance System for Urban and Rural Residents", which integrates the original new rural cooperative medical system with the basic medical insurance for urban and rural residents, establishes a unified basic medical insurance system for urban and rural residents, and realizes the basic unification of the payment standard, payment method, reimbursement treatment, management system and financial subsidy standard of the basic medical insurance for urban and rural residents.
The minimum payment standard of basic medical insurance for urban and rural residents is jointly issued by the National Medical Insurance Bureau and the Ministry of Finance every year, and the mode of combining state subsidies with individual contributions of insured persons is adopted. According to the spirit of the notice issued by the National Medical Insurance Bureau, the funding standard of basic medical insurance for urban and rural residents in 2023 is 960 yuan per person per year, which is also the highest in recent years. Among them, individuals pay 350 yuan, and the financial subsidy is 6 10 yuan. In fact, this model didn't just start this year. Since the establishment of the new rural cooperative medical system, the state has given subsidies every year. However, due to the lack of policy propaganda, farmers feel that they have paid the money and have no sense of financial subsidies.
As shown in this question, the financial subsidy standard in 2023 is 6 10 yuan per person per year. Generally, the insured does not know how and where the money is subsidized. Many people don't know where this money subsidy has gone, which is normal. When urban and rural residents pay residents' medical insurance every year, they have a centralized payment time. According to the practice for many years, September 1 day to February 3 1 day belongs to the centralized payment time of basic medical insurance for urban and rural residents.
During the centralized payment period, the insured person pays the fee at the tax APP or the bank counter designated by the tax department according to the standard of 350 yuan per person through the payment method provided by the tax department, which is the personal payment part; The financial subsidy is not allocated to each insured person's head, nor is it directly paid to each insured person's bank account, but actually paid to one person according to the insured person's payment account. After the end of the centralized payment time, the financial department will directly allocate the subsidy funds to the medical insurance fund bank account in full or in stages.
This is a bit like the payment of employee medical insurance. The medical insurance for employees is insured by the unit and employees in proportion, but the unit only deducts individual contributions from employees' wages every month, and the unit contributions are directly transferred to the medical insurance fund account designated by the tax department. The distribution of state subsidies is somewhat similar to the distribution of unit contributions, and employees have no obvious feelings, so does the financial subsidies for residents' medical insurance contributions.
Because the medical insurance for urban and rural residents is currently implemented at the municipal level, that is, the medical insurance funds raised by counties, including individual contributions and financial subsidies, are managed and used by the municipal medical insurance departments in a unified way, which can adjust the medical insurance funds of counties and cities and ensure the payment ability of medical insurance funds. According to the regulations, the reimbursement rate of basic medical insurance for urban and rural residents should reach 70% on average, but the 350 yuan money paid by each urban and rural resident alone cannot guarantee that the medical insurance fund has sufficient payment capacity.
In order to make up for the problem of low individual contributions of the insured, a large number of financial subsidies are needed, and the standard of financial subsidies will be much higher than that of individual contributions. If there is a balance in that year, it will be automatically transferred to the next year, or used to pay serious illness insurance for urban and rural residents. Therefore, the financial subsidies for some insured persons are really invisible and intangible. The financial subsidy is linked to the insured's payment account, that is to say, as long as you pay in the current year, the financial subsidy will be directly allocated to the medical insurance fund according to the payment account subsidy, and those who did not pay in the current year will not be subsidized.
Financial subsidies are mainly borne by the central government and local governments. The finance in the western region is 80% of the per capita subsidy standard, and the rest is the responsibility of local finance. The central region is subsidized by 60% of the per capita subsidy standard, and the rest is responsible by local finance; The eastern region will be subsidized according to a certain proportion, and the rest will be borne by local finance.
To sum up, in 2023, the basic medical insurance for urban and rural residents will still be a combination of state subsidies and individual contributions. On the basis of the individual's annual contribution to 350 yuan, the financial subsidy is 6 10 yuan, and the overall financing standard is 960 yuan. Financial subsidies are not subsidized to individual residents, but directly transferred to medical insurance fund accounts, so individuals are invisible and intangible, but financial subsidies are included in medical insurance reimbursement.