First, the medical insurance payment base and proportion
The medical insurance payment base is usually determined according to the individual's monthly income, and generally has a minimum base and a maximum base. Within this range, the amount of personal medical insurance payment will be calculated according to a certain proportion. This proportion may vary according to different regions and policies, but generally speaking, the proportion that individuals need to bear is between 2%- 10%.
Second, the calculation method of individual medical insurance payment
The calculation method of individual medical insurance payment is usually: the base of payment multiplied by the proportion of individual commitment. For example, a person's medical insurance payment base is 5,000 yuan, and the individual contribution ratio is 5%, so his monthly medical insurance payment is 5,000 yuan multiplied by 5%, which is 250 yuan.
Third, the adjustment and influence of medical insurance policy
The medical insurance policy will be adjusted irregularly according to the actual situation of the country, which may affect the amount of personal medical insurance payment. For example, when the government increases the proportion of medical insurance reimbursement or expands the scope of reimbursement, in order to maintain the balance of medical insurance funds, it may increase the proportion or base of individual contributions accordingly. Therefore, when individuals pay medical insurance, they need to pay attention to local policy changes in order to know their payment obligations in time.
Fourth, other matters needing attention
In addition to personal medical insurance payment, there may be cases where units pay medical insurance for employees in some areas. In this case, the amount of personal medical insurance payment will be reduced accordingly. In addition, for low-income people and groups with special difficulties, the government usually gives certain medical insurance subsidies or relief policies.
To sum up:
How much medical insurance individuals have to pay depends mainly on their salary base, local policies and the adjustment of medical insurance policies. Therefore, when paying medical insurance, individuals need to pay attention to their own payment base and local policies and regulations in order to accurately calculate their own payment amount. At the same time, we also need to pay attention to the changes in medical insurance policies in order to know our rights and obligations in time.
Legal basis:
People's Republic of China (PRC) social insurance law
Article 23 provides that:
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.
People's Republic of China (PRC) social insurance law
Article 27 provides that:
Individuals who participate in the basic medical insurance for employees will not pay the basic medical insurance premium after retirement and enjoy the basic medical insurance benefits in accordance with the provisions of the state if they reach the statutory retirement age and the accumulated payment has reached the fixed number of years stipulated by the state; Those who have not reached the fixed number of years prescribed by the state may pay the fees to the fixed number of years prescribed by the state.