Our country's basic medical insurance for urban and rural residents is based on the spirit of the "Opinions of the State Council on Integrating the Basic Medical Insurance System for Urban and Rural Residents" and integrates the original new rural medical insurance and social medical insurance for urban and rural residents. It establishes a unified urban and rural residents' basic medical insurance system.

The rules and regulations of the basic medical insurance for urban and rural residents have basically unified the payment specifications, payment methods, expense reimbursement and wages, system management and financial subsidy standardization of the basic medical insurance for urban and rural residents.

The minimum payment standards for basic medical insurance for urban and rural residents are jointly issued by the National Medical Security Administration and the Ministry of Finance every year, using a combination of state subsidies and individual payments by insured persons. In accordance with the spirit of the notice from the National Medical Insurance Bureau, the basic medical insurance for urban and rural residents in 2023

The funding standard for medical insurance is 960 yuan per person per day, which is also the highest in recent years.

Among them, the individual payment is 350 yuan and the financial subsidy is 610 yuan.

In fact, this model does not start this year. Since the establishment of the New Rural Cooperative Medical Insurance System, the government has provided subsidies every year. However, due to insufficient publicity of the current policy, farmers feel that they pay for it themselves, and there is no financial subsidy.

Happiness.

As the title of this article indicates, the financial subsidy standard for 2023 is 610 yuan per person per day. How this money is subsidized and where the subsidy goes is not understood by ordinary insured persons.

It’s normal that many people don’t know where the subsidies go.

Every year when urban residents pay for resident medical insurance, there is a centralized payment period.

According to international practice for many years, the period from September 1 to December 31 of each year is the centralized payment period for the basic medical insurance for urban and rural residents each year.

During the centralized payment period, social security payers will pay the fee at the tax APP or at the bank counter designated by the tax authority according to the payment method provided by the tax authority at the standard of 350 yuan per person. This is also part of the individual payment; financial subsidies

Part of it is not to be transferred to the head of each insured person, or to be directly subsidized into the bank account of each insured person. Instead, according to the payment account of the insured person, a specific payment is made for each person, and the payment is centralized.

At the end of the period, the finance department will directly transfer the subsidy budget to the bank account of the medical insurance fund based on the number of people or in batches.

This is somewhat like the payment of employee medical insurance. Employees of the unit are allocated proportionally to social security contributions for employee medical insurance. However, the company deducts part of the personal payment from the employee's salary every month, and the part of the company's payment can be directly paid.

Transfer it to the medical insurance fund account designated by the tax authority.

The allocation of state subsidies is somewhat similar to the allocation of unit contributions. The employees themselves do not clearly feel this, and the same is true for the financial subsidies for residents' medical insurance contributions.

Because the commercial insurance for urban and rural residents is currently coordinated at the prefectural and municipal levels, it is actually the medical insurance funds raised by each county, including individual contributions and financial subsidies, which are all managed and used uniformly by the city's medical insurance department. This can be used for everyone.

Medical insurance funds in counties and districts have been adjusted to ensure the payment ability of medical insurance funds.

According to regulations, the medical insurance reimbursement ratio of the basic medical insurance for urban and rural residents needs to reach 70% on average. However, it is difficult to ensure that the medical insurance fund has sufficient paying capacity by only relying on the 350 yuan paid by each urban resident.

In order to solve the problem of low personal payment of insured persons, the Finance Bureau needs to provide large subsidies, and the financial subsidy standard will be much higher than the personal payment standard. If there is a surplus in the current year, it will be automatically transferred to an application for this year, or used

To pay urban residents’ critical illness insurance, etc.

Therefore, financial subsidies for some insured persons are indeed invisible and intangible.

The financial subsidy money is related to the payment account of the insured person. In other words, if you paid the fee in the first place, the Finance Bureau will immediately transfer it to the medical insurance fund according to the payment account subsidy. There was no payer in the past.

The Finance Bureau will no longer provide subsidies.

Financial subsidies are generally funded by the central budget and government finance. The central and western regions' finance bureaus subsidize 80% of the average subsidy standard, and the rest is borne by the government finance; the central and western regions subsidize 60% of the average subsidy standard.

The rest of the subsidy will be borne by the government finance; the eastern region will subsidize according to a certain proportion, and the rest will be borne by the government finance.

In general, the basic medical insurance for urban and rural residents in 2023 will still adopt various forms of state subsidies and individual contributions. On the premise that you pay 350 yuan per year, the financial subsidy will be 610 yuan, and the overall fund-raising standard is 960 yuan.

Yuan.

Financial subsidies are not subsidized to resident enterprises, but are transferred to the medical insurance fund account, so I cannot see or touch them. However, the financial subsidies are already included in the medical insurance reimbursement salary benefits.