1. Employees: pay the basic medical insurance premium at 2% of their salary base. Transfer to employee's personal account.

2. Employer: Pay the basic medical insurance premium at 9% of the wage base paid by the employer. The insurance premium paid by the employer is included in the employee's personal account according to the following standards:

(1) Employees under the age of 35 will be transferred to personal accounts according to 0.8% of their monthly salary base;

(2) Employees over the age of 35 and under the age of 45 will be transferred to individual accounts according to 1% of their monthly salary base;

(3) Employees over the age of 45 are included in personal accounts at 2% of their monthly salary base;

(4) Retirees under the age of 70 shall be included in personal accounts according to 4.3% of the average monthly salary of employees in this Municipality in the previous year;

(five) retirees over the age of 70, according to 4.8% of the average monthly salary of employees in this city last year included in the personal account.

The benefits of paying medical insurance are as follows:

1 is conducive to improving labor productivity and promoting the development of production. Medical insurance is the inevitable result of social progress and production development. Conversely, the establishment and improvement of medical insurance system will further promote social progress and production development. On the one hand, medical insurance relieves the worries of workers, makes them work with peace of mind, can improve labor productivity and promote the development of production; On the other hand, it also ensures the physical and mental health of workers and the normal reproduction of labor;

2. Adjust income differences and reflect social equity. Medical insurance is an important means for the government to redistribute income by collecting medical insurance premiums and paying medical insurance service fees.

3. An important guarantee for maintaining social stability. Medical insurance helps sick workers economically, helps to eliminate social instability caused by diseases, and is an important social mechanism to adjust social relations and social contradictions;

4. An important means to promote social civilization and progress. The social system of medical insurance and social mutual assistance embodies a new social relationship of "one party is in trouble and all parties support" by the insured sharing the risk of disease costs, which is conducive to promoting social civilization and progress;

5. An important guarantee for promoting economic system reform, especially the reform of state-owned enterprises.

To sum up, the cost-sharing ratio adjustment scheme of medical insurance companies is an important measure to adapt to the development of medical insurance system and the sustainability of medical insurance funds.

Legal basis:

People's Republic of China (PRC) social insurance law

Article 23

The way to participate in the basic medical insurance for employees and the responsibility of payment. Employees need to pay the basic medical insurance premium together with the employer, and individual industrial and commercial households, part-time employees and flexible employees can pay it individually.