The reason why the cardholder of the filing card pays medical insurance shows 320 is that in 2022, the individual payment standard of medical insurance for urban and rural residents is 320 yuan per person per year, but the cardholder of the filing card does not need to pay in person, and the fee is paid by the government. According to the regulations of the state, the medical insurance premiums for the minimum living security object, orphans, five-guarantee households, severely disabled people, families with special difficulties in family planning and families of martyrs are paid in full by the government, mainly including the members of the minimum living security family for urban and rural residents, the extremely poor people in urban and rural areas, severely disabled people, and poor households with established files. These people mainly belong to difficult groups. In order to prevent the family's living standard from declining due to social security payment, the state provides special extra security. The basic medical insurance fund for urban residents is mainly used for the hospitalization and outpatient medical expenses of insured residents, and areas with conditions can gradually try out the outpatient medical expenses as a whole; Cooperate to promote the reform of medical and health system and drug production and circulation system, coordinate the reform and system convergence of medical and health system, drug production and circulation system and medical security system in accordance with the overall requirements of deepening the reform of medical and health system, and give full play to the role of medical security system in raising medical funds, improving medical quality and controlling medical expenses. Medical insurance is one of the five insurances, which is divided into employee medical insurance and resident medical insurance. Employee medical insurance means that we work elsewhere, and the company helps us pay five insurances together, which cannot be separated. Those who have flexible employment or no job can participate in medical insurance alone, that is, residents' medical insurance.

Legal basis: People's Republic of China (PRC) Social Insurance Law.

Article 24 The state establishes and improves the new rural cooperative medical system. Measures for the administration of the new rural cooperative medical system shall be formulated by the State Council.

Article 25 The state establishes and improves the basic medical insurance system for urban residents. The basic medical insurance for urban residents combines individual contributions with government subsidies. People who enjoy the minimum living guarantee, disabled people who have lost their ability to work, elderly people and minors over 60 years old in low-income families, etc. , subsidized by the government.

Twenty-sixth basic medical insurance for employees, new rural cooperative medical care and basic medical insurance for urban residents shall be implemented in accordance with state regulations.