Will personal medical insurance contributions rise again this year? Will it reac
Today, I saw a friend asking whether the personal payment for medical insurance in 2024 will continue to rise, reaching 410 yuan per person, right?
To be honest, the social medical insurance in our country mainly includes basic medical insurance for employees and medical insurance for urban and rural residents.
Some flexible employees participate in the basic medical insurance for employees, which currently ranges from 300 to 400 yuan per month. Due to some provinces adjusting the upper and lower limits of the medical insurance payment base, the payment amount for flexible employees has also increased. For example, Fuzhou City has changed the lower limit of the employee medical insurance payment base to 4,433 yuan, with a payment ratio of 10% per month, resulting in a payment amount of 443.3 yuan. Shenyang City, on the other hand, is 469.2 yuan per month.
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In contrast, the payment amount for medical insurance for urban and rural residents is much less. The payment standard for urban and rural resident medical insurance in 2023 is 380 yuan per person, which is the annual payment standard, an increase of 30 yuan compared to the previous year. However, the personal payment standard for urban and rural resident medical insurance in 2024 has not been issued (the payment this year ensures coverage for the year 2025).
According to the past practice, a document is usually published around July each year, called the "Notice on Doing a Good Job in the Basic Medical Insurance for Urban and Rural Residents in a Certain Year." The notice for the year 2023 was published on July 28. However, this year, the National Medical Insurance Administration website has not published a similar notice for 2024.
Based on the growth pattern of previous years, the personal payment standard for urban and rural resident medical insurance has increased by 30 to 40 yuan each year. Last year's personal payment standard was 380 yuan, and if it increases by another 30 yuan this year, it will reach 410 yuan, which is indeed possible.
Urban and rural resident medical insurance is not solely based on personal payments; a significant portion of it is also a financial subsidy provided by the state. The national financial subsidy standard for 2023 is 640 yuan, and the government work report for 2024 has also clearly proposed to continue to increase the government subsidy standard for urban and rural resident medical insurance by 30 yuan per person per year, with the subsidy standard expected to reach 670 yuan. Relative to the nearly 1 billion participants in urban and rural resident medical insurance, this is equivalent to an additional 30 billion yuan in subsidies from the state finance.
Looking at the pattern of recent years, the personal payment for urban and rural resident medical insurance is expected to increase in tandem, so there is a high probability that the payment will reach 410 yuan this year.For some low- and middle-income families, if three or four people contribute together, it is indeed a significant financial burden. To prevent vulnerable groups from being left out of insurance coverage, the state has explicitly stipulated that severely disabled individuals, registered impoverished households, and families on minimum living standards, as well as elderly people in some areas, are eligible for government subsidies that cover all or part of their premiums. For instance, in Shanghai, the standard for urban and rural resident medical insurance payments for this year is 935 yuan for those aged 18 to 60, 765 yuan for those aged 60 to 69, and 595 yuan for those over 70, with the payment decreasing as age increases. In Jingning She Autonomous County, for example, individuals over 80 years old are exempt from payment, and those aged 70 to 79 pay half the premium.
It is highly advisable to participate in the resident medical insurance, which is a necessary safeguard. In 2022, the number of insured residents in China reached 983.49 million, with a total of 1,012.39 billion yuan raised and 935.344 billion yuan spent. The average reimbursement ratio within the medical insurance scope was 68.3%, and it was as high as 80.1% in primary and grassroots medical and health institutions. To be honest, having medical insurance to safeguard life and prevent accidents is very necessary. Even if there is no medical reimbursement, it can be considered as doing good for society, after all, the money is spent on those in need.
Additionally, with the increase in medical insurance funding standards, various benefit levels will continue to improve. Some areas with the means are also perfecting the outpatient reimbursement mechanism and allowing for reimbursement of medical expenses incurred in different locations, which can effectively alleviate the medical burden on the general public.
Overall, it is highly likely that the standards for urban and rural resident medical insurance payments for this year will be announced in the coming months, as the concentrated payment period for the next year usually begins in October according to past patterns. Please wait patiently. #Top Headline Creation Challenge# #Resident Medical Insurance in 2024#
Today, I saw a friend asking whether the personal payment for medical insurance in 2024 will continue to rise, reaching 410 yuan per person, right?
To be honest, the social medical insurance in our country mainly includes basic medical insurance for employees and medical insurance for urban and rural residents.
Some flexible employees participate in the basic medical insurance for employees, which currently ranges from 300 to 400 yuan per month. Due to some provinces adjusting the upper and lower limits of the medical insurance payment base, the payment amount for flexible employees has also increased. For example, Fuzhou City has changed the lower limit of the employee medical insurance payment base to 4,433 yuan, with a payment ratio of 10% per month, resulting in a payment amount of 443.3 yuan. Shenyang City, on the other hand, is 469.2 yuan per month.
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In contrast, the payment amount for medical insurance for urban and rural residents is much less. The payment standard for urban and rural resident medical insurance in 2023 is 380 yuan per person, which is the annual payment standard, an increase of 30 yuan compared to the previous year. However, the personal payment standard for urban and rural resident medical insurance in 2024 has not been issued (the payment this year ensures coverage for the year 2025).
According to the past practice, a document is usually published around July each year, called the "Notice on Doing a Good Job in the Basic Medical Insurance for Urban and Rural Residents in a Certain Year." The notice for the year 2023 was published on July 28. However, this year, the National Medical Insurance Administration website has not published a similar notice for 2024.
Based on the growth pattern of previous years, the personal payment standard for urban and rural resident medical insurance has increased by 30 to 40 yuan each year. Last year's personal payment standard was 380 yuan, and if it increases by another 30 yuan this year, it will reach 410 yuan, which is indeed possible.
Urban and rural resident medical insurance is not solely based on personal payments; a significant portion of it is also a financial subsidy provided by the state. The national financial subsidy standard for 2023 is 640 yuan, and the government work report for 2024 has also clearly proposed to continue to increase the government subsidy standard for urban and rural resident medical insurance by 30 yuan per person per year, with the subsidy standard expected to reach 670 yuan. Relative to the nearly 1 billion participants in urban and rural resident medical insurance, this is equivalent to an additional 30 billion yuan in subsidies from the state finance.
Looking at the pattern of recent years, the personal payment for urban and rural resident medical insurance is expected to increase in tandem, so there is a high probability that the payment will reach 410 yuan this year.For some low- and middle-income families, if three or four people contribute together, it is indeed a significant financial burden. To prevent vulnerable groups from being left out of insurance coverage, the state has explicitly stipulated that severely disabled individuals, registered impoverished households, and families on minimum living standards, as well as elderly people in some areas, are eligible for government subsidies that cover all or part of their premiums. For instance, in Shanghai, the standard for urban and rural resident medical insurance payments for this year is 935 yuan for those aged 18 to 60, 765 yuan for those aged 60 to 69, and 595 yuan for those over 70, with the payment decreasing as age increases. In Jingning She Autonomous County, for example, individuals over 80 years old are exempt from payment, and those aged 70 to 79 pay half the premium.
It is highly advisable to participate in the resident medical insurance, which is a necessary safeguard. In 2022, the number of insured residents in China reached 983.49 million, with a total of 1,012.39 billion yuan raised and 935.344 billion yuan spent. The average reimbursement ratio within the medical insurance scope was 68.3%, and it was as high as 80.1% in primary and grassroots medical and health institutions. To be honest, having medical insurance to safeguard life and prevent accidents is very necessary. Even if there is no medical reimbursement, it can be considered as doing good for society, after all, the money is spent on those in need.
Additionally, with the increase in medical insurance funding standards, various benefit levels will continue to improve. Some areas with the means are also perfecting the outpatient reimbursement mechanism and allowing for reimbursement of medical expenses incurred in different locations, which can effectively alleviate the medical burden on the general public.
Overall, it is highly likely that the standards for urban and rural resident medical insurance payments for this year will be announced in the coming months, as the concentrated payment period for the next year usually begins in October according to past patterns. Please wait patiently. #Top Headline Creation Challenge# #Resident Medical Insurance in 2024#