According to the previous requirements, on-the-job employees pay medical insurance, which is paid by the unit and the employees themselves in proportion. The overall payment ratio is 8%, of which the department payment ratio is 6% and the individual payment ratio is 2%. 2% paid by individuals is credited to personal accounts, and 30% paid by enterprises is credited to personal accounts according to the average age ratio. That is to say, the money returned by the medical insurance center to the social security card every month includes a certain proportion of the money paid by enterprises in addition to the part paid by individuals, and the specific amount returned is far greater than 2%.

As freelancers, employees pay medical insurance, because no employer has to bear all the expenses of endowment insurance, and the payment ratio is 8%, of which 2% is credited to personal accounts and 6% is credited to the overall fund for medical treatment. According to the regulations, 30% of the 6% credited to the medical pooling fund is still returned strictly according to the average age of freelancers, and the proportion of 30% converted into a refund is 2%. In fact, the average proportion of medical insurance funds returned to social security payers is 4%. According to different ages, the proportion of older people will be higher, and the proportion of younger people will be lower, but at least it is basically above 2%.

From the above interpretation, we can know that the difference between on-the-job employees and freelancers is usually the difference in payment methods. Freelancers have to pay 8% of the contributions, while employees only pay 2%, but the proportion and method of transferring them into personal accounts are absolutely the same. In the upcoming new medical insurance policy, the proportion of personal account refund in the future mainly refers to employees except that all personal accounts will not be refunded. The medical insurance paid by freelancers will be refunded at 2% of the personal account in the future, and the part paid in the overall fund will not be refunded to the personal account.

The part credited to the overall fund will not return to the personal account, so how to use the extra money? According to the relevant provisions of the new medical insurance policy, it is to create outpatient economic rules and regulations. The so-called outpatient * * * economic rules and regulations mean that you can reimburse at least 50% of the outpatient expenses when you come to see a doctor. In the past, when we went to the clinic, we had to pay for it ourselves. It is not easy to reimburse a penny. Except for the money in the social security card, we have to pay for the rest by ourselves. After the reform and innovation, you go to the clinic to see a doctor, and the expenses are reimbursed by 50%. The remaining 50% can be paid with your own social security card, which obviously saves 50 yuan.

Generally speaking, in the upcoming new medical insurance policy, the proportion of personal account assets is absolutely the same as that of freelancers as long as you are in the same medical insurance co-ordination area. Except for the 2% personal account, 30% of the 6% medical pooling fund will not be returned to the personal account, but will be used as a comprehensive expense for reimbursement in the future outpatient service.