in China, the payment of medical insurance for urban and rural residents is centralized once a year, and it is generally arranged to pay the medical insurance premium for the next year in the second half of each year. Since September 1st, many places in Hubei, Jiangxi and Shandong have started to pay medical insurance for urban and rural residents in 223. The centralized payment period is from September 1st to the end of December. This year's medical insurance payment standard for urban and rural residents has risen again. However, it is not only the increase in individual contributions, but also the increase in state subsidies. According to the requirements of the Notice of the National Medical Insurance Bureau on Doing a Good Job in Basic Medical Security for Urban and Rural Residents in 222, the per capita financial subsidy standard for medical insurance for urban and rural residents will be raised in 3 yuan in 222, and each person will be no less than 61 yuan every year; The standard of individual payment has also been raised in 3 yuan, and the rate per person per year is not lower than that in 35 yuan. Why do you start paying fees in the second half of each year? In fact, the main reason is still waiting for the financing standards required by the state. Medical insurance for urban and rural residents is the largest insurance in China, with the number of participants reaching 18.66 million in 221. Although there are many payers, the funds are extremely tight. In 221, the total income of medical insurance was 972.448 billion yuan, the expenditure was 929.637 billion yuan, and the balance was only 42.81 billion yuan. Moreover, the related funds were not balanced among regions. In order to ensure the stable operation of urban and rural residents' medical insurance, in recent years, residents' medical insurance payment standards have indeed been constantly improved. The medical insurance for urban and rural residents is actually a combination of the old new rural cooperative medical system and the medical insurance for urban residents, which is also a measure for the country to unify urban and rural treatment. 35 yuan, the minimum payment standard of medical insurance for urban and rural residents this year, needs to surpass 1 yuan for a family of three. However, in order to reduce the burden of people's insurance, some places have also begun to pay differentiated fees. For example, in Rizhao City, Shandong Province, ordinary residents pay fees in 36 yuan, while students pay fees in 32 yuan. Shanghai divides the payment standards into children and college students (18 yuan), ordinary adult residents (82 yuan) and elderly people over 6 (65 yuan and 48 yuan). Relatively speaking, because the income level of rural families is relatively low, it is really necessary for many people to consider a one-time expenditure in 1 yuan. In particular, some people feel that after participating in medical insurance, they will not be sick or hospitalized, and they feel that they are losing money. In 221, the per capita disposable income of rural residents was only 18,931 yuan, especially for low-income families. According to the National Bureau of Statistics, the national residents are divided into five equal income groups. In 22, the per capita disposable income of 2% low-income families in China is only 7,868.8 yuan. In order to reduce people's insurance burden. The state will give a certain amount of financial aid to poor families, low-income families and people returning to poverty. Generally speaking, these people do not need to pay personal fees, and the corresponding medical insurance deductible line and medical insurance assistance will be inclined to these people. In fact, the role of medical insurance is to try our best to reduce the possibility of people becoming poor or returning to poverty due to illness. For families with general income level, it is still recommended to continue to pay fees. To participate in medical insurance for urban and rural residents, you actually get triple protection, namely, basic medical insurance for residents, medical insurance for serious illness, and medical insurance assistance. Qingdao has 18, basic medical insurance, 6, serious illness medical insurance and medical assistance, which can basically cope with most diseases. According to the statistics of the National Medical Insurance Bureau, the reimbursement rate within the scope of medical insurance reimbursement in 221 is 69.7%, and there is additional reimbursement for the expenses of serious illness, which is really cost-effective after reimbursement. My children spent 15, yuan in hospital a few years ago, and reimbursed more than 8, yuan (including all expenses paid by individuals at their own expense), and the medical insurance fee for decades was available at once. In addition, the state is constantly strengthening the payment supervision of medical insurance fund, promoting the reform of DRG/DIP, and constantly strengthening the supervision of medical payment efficiency. The expenditure of medical insurance fund is becoming more and more standardized, which can effectively reduce the burden for the insured. As people get older, the probability of getting sick will be higher and higher. Since they have participated in previous years, it is even more necessary to participate this year. It is really necessary to take part in a guarantee for yourself. In case you want to re-enter the insurance after stopping the insurance, you need to wait for 3~6 months of medical insurance waiting period, and it will be troublesome to delay the treatment. Therefore, it is very necessary to actively participate in the insurance, and it is generally recommended not to interrupt. If it is a poor family, it is recommended to apply for help from the relevant government.