Legal analysis: The basic medical insurance personal account balance refers to the accumulated balance of an individual's medical insurance account.

The medical insurance company will allocate money to the medical insurance card at the end of each month based on a certain ratio of paid salary and age, if you personally do not pay or consume every month.

The funds in an individual's account will always be accumulated, that is, the balance will increase.

Legal basis: Article 10 of the "Social Insurance Law of the People's Republic of China" Employees shall participate in basic pension insurance, and the employer and employee *** shall jointly pay the basic pension insurance premiums.

Individual industrial and commercial households without employees, part-time employees who have not participated in basic pension insurance in the employer, and other flexible employment personnel can participate in basic pension insurance, and the basic pension insurance premiums are paid by individuals.

The measures for pension insurance for civil servants and staff managed with reference to the Civil Servant Law shall be prescribed by the State Council.

Article 12 The employer shall pay basic pension insurance premiums in accordance with the proportion of the total wages of its employees stipulated by the state, and record them into the basic pension insurance overall fund.

Employees should pay basic pension insurance premiums in accordance with the proportion of their wages stipulated by the state and record them into their personal accounts.

Individual industrial and commercial households without employees, part-time employees who have not participated in basic pension insurance in the employer, and other flexible employment personnel who participate in basic pension insurance shall pay basic pension insurance premiums in accordance with national regulations and record them separately in the basic pension insurance pooling fund

and personal accounts.

Article 23 Employees shall participate in the basic medical insurance for employees, and the employer and employees shall jointly pay the basic medical insurance premiums in accordance with national regulations.

Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees in the employer, and other people with flexible employment can participate in the basic medical insurance for employees, and individuals must pay the basic medical insurance premiums in accordance with national regulations.