Social medical insurance is divided into two types, urban employee medical insurance and urban and rural residents medical insurance.

The questioner is questioning the payment standards of medical insurance for urban and rural residents.

It seems that the questioner is not clear that the payment standards for medical insurance for urban and rural residents are not uniform across the country.

First, the state sets the minimum payment standard or lower limit for payment, and then each locality sets local payment standards on the basis of not being lower than the national minimum payment standard.

As long as it is not lower than the national minimum standard, it can become an enforceable local standard after being submitted to the Ministry of Human Resources and Social Security and the Ministry of Finance for approval.

In 2018, the national minimum payment standard for medical insurance for working-age urban and rural residents is 220 yuan, so 260 yuan in Huaian, Jiangsu Province meets the regulations.

Payment standards in other regions have their own regulations.

Taking the payment standard for the working-age population as an example, the latest standard in Beijing in 2018 is 300 yuan/person/year, and in Guangzhou it is 199 yuan/person/year... 1. The past and present life of urban and rural residents’ medical insurance Urban and rural residents’ medical insurance

It was established not long ago. It was merged in 2014 from the Urban Residents Medical Insurance and the New Rural Cooperative Medical Insurance (referred to as the New Rural Cooperative Medical Insurance).

The New Rural Cooperative Medical System was born in 2003, and the urban residents’ medical insurance was only piloted in 2007.

In 2010, universal coverage of all residents nationwide was basically achieved.

Urban and rural residents' medical insurance is open to residents with local household registration who are not covered by urban employee medical insurance.

Insured persons can be local unemployed working-age residents or local non-working-age residents. In some areas, it is also open to local people’s spouses, minor children, etc. who have registered residence in other places.

This is somewhat different from urban employee medical insurance.

Urban employee medical insurance is only open to the labor force, and the insured persons are divided into unit insured persons and flexible employment persons insured persons.

When it comes to insured persons from an employer, it only looks at whether there is a labor relationship between the employer and the employee, and it has nothing to do with household registration.

When targeting flexible employment personnel, it is usually only available to local urban residents, except in certain areas.

2. Payment standards for urban and rural residents’ medical insurance. Urban and rural residents’ medical insurance is paid on an annual basis. The standards are not uniform across regions and are subject to local policies.

Generally, payment standards are higher in first-tier cities and economically developed areas.

Even different regions in the same province may have different payment standards.

Because some areas are unified across the province, while some areas are not unified across the province and are unified across cities or counties.

Even in the same region, payment standards may be different in different years.

The general trend is a phased upward adjustment.

Even in the same year, the payment standards for working-age and non-working-age people may be different, and one system can have multiple levels.

Working-age insured persons refer to those who are over 16 years old and have not reached the legal retirement age.

Non-working-age insured persons refer to the elderly, children and students.

There are also some areas where the payment standard is one-size-fits-all, without distinguishing between working age and non-working age. All local insured persons pay according to one standard.

Starting from the New Rural Compensation System, the national minimum individual payment standard for urban and rural residents’ medical insurance has gone from 30 yuan/person/year in 2003, to 60 yuan/person/year in 2012, to 90 yuan/person/year in 2014, and then to 90 yuan/person/year in 2014.

Adjustment to 220 yuan/person/year in 2018.

And it is foreseeable that there will be gradual upward adjustments in stages in the future.

The medical insurance fees paid cannot support the normal operation of the urban and rural residents' medical insurance funds, and additional subsidies will be provided by the national and local finances.

Some areas have also set separate payment standards for the elderly, children and students, which are lower than the payment standards for the working-age population.

Basically, all localities have formulated preferential policies that allow special groups such as those with disabilities and subsistence allowances to participate in insurance for free or receive fixed subsidies.

3. Give examples of the medical insurance payment standards for urban and rural residents in various regions in 2018 (1) One system and two tiers in Beijing.

In 2018, the annual payment standard for non-working-age insured persons (elderly people, children, and students) is 180 yuan, and the annual payment standard for working-age insured persons is 300 yuan.

Thirteen categories of people, including low-income households, disabled people, and those with poverty allowances, can participate in insurance for free.

The local government's annual per capita financial subsidy standard is 1,430 yuan.

(2) There are four grades in one system in Shanghai.

The payment standard will not be raised in 2018, and the payment standard in 2017 will continue to be implemented. The details are as follows: (3) Heilongjiang Heilongjiang has unified the payment standard across the province since 2018, with one system and two levels.

The first level is 320 yuan (adults), the second level is 210 yuan/person/year (students, children).

Summary: To sum up, the annual payment standard for urban and rural residents’ medical insurance is implemented at the provincial and municipal level, not the national level, so it is not uniform across the country, but it cannot be lower than the minimum payment standard set by the state.

The specifics are subject to local policies, and one system can be used for multiple levels.

Payment standards can be adjusted periodically.

The approximate threshold of the national payment standard in 2018 is more than 100-700 yuan.

Special groups such as those with disabilities and subsistence allowances can participate in insurance for free.

If you are unsure, you can call the local “12333” social security consultation hotline to check and confirm.

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