Instant places to improve the minimum payment period of medical insurance.

Recently, in many places, the minimum payment period of employee medical insurance has been gradually increased. Men have to pay for 30 years, and women have to pay for 25 years, causing heated discussions. Why increase the minimum payment period? What should I do if the payment period is not enough when retired? What are the influences?

Improve the minimum payment period of medical insurance in many places

Recently, the Guangdong Provincial Medical Security Bureau and the Guangdong Provincial Department of Taxation and the Guangdong Provincial Taxation Bureau of the Guangdong Provincial Department of Finance and the State Administration of Taxation issued the "Interim Measures for the Continuation of the Transfer of the Provincial Basic Medical Insurance Relations of Guangdong Province", which will be implemented from July 1, 2022.

The "Interim Measures" proposes to gradually unify the province's medical insurance payment period policy. The cumulative payment period is 30 years for male employees on January 1, 2030, and female employees 25 years. The cities that have not reached the previous paragraph, starting from 2022, based on the city's 2021 -year -old payment period policy, the cumulative payment period of medical insurance for employees in the city has been adjusted year by year.

In addition, at the end of 2021, the Shandong Provincial Medical Security Bureau, Shandong Provincial Department of Finance, and the State Administration of Taxation's Shandong Provincial Taxation Bureau issued the "Notice on Further Regulating the Issues Related to the Payment of Basic Medical Insurance Insurance Insurance", and the province's unified employee basic medical care The minimum payment period of insurance. Insurance employees enjoy the minimum payment period of basic medical insurance benefits for retirees. In the year, the unique regional coordinated areas were not reached by the end of 2025.

Why increase the minimum payment period?

According to the provisions of the Social Insurance Law, individuals who participate in the basic medical insurance of employees and the accumulated payment of the legal retirement age to reach the prescribed period of the state. After retirement, the basic medical insurance premiums will not be paid. For the country's prescribed years.

However, the policies of the minimum payment of medical insurance are different. Some areas can be implemented for 10 or 15 years. For example, Guangzhou, currently implemented by 10 years (before 2014) or 15 years (after 2014); In the year, for example, in Beijing; some areas have to be men for 30 years and women for 25 years, such as Chongqing.

So, why should we increase the minimum payment period of medical insurance to 30 years and 25 years?

The reporter noticed that in 2021, the State Medical Insurance Bureau and the Ministry of Finance issued the "Opinions on Establishing a System of Medical Guarantee Treatment Listing List", which clearly proposed the gradual standardized policy of payment.

Wang Zhen, a researcher at the Institute of Economics of the Chinese Academy of Social Sciences, stated on the "China New Observation" column that improving the minimum payment period is an inevitable requirement for improving my country's medical security system. , To improve the fairness of medical insurance. It turns out that the payment period of various places is not uniform. In the future, a game of chess is required to form a unified policy framework in the country.

Zhang Yinghua, executive researcher of the World Social Security Research Center of the Chinese Academy of Social Sciences, analyzes the "China New Observation" column of China News Network. The overall level of basic medical insurance in my country is not high. A different regional regulations for the minimum payment period in a province are different. Provincial levels, the differences between the payment policy between regions should gradually disappear.

The Guangdong Provincial Medical Insurance Bureau stated in the interpretation that the payment period policy is an important part of the employee medical insurance funding policy. At present, there are large differences in the cumulative minimum payment period of employee medical insurance in our province. Therefore, it is intended to take a year -on -year adjustment method to gradually unify the minimum payment period of medical insurance in the province.

Data map: Citizens lined up in the hospital outpatient hall. China News Agency reporter Yang Di

Is it because the medical insurance fund lacks money?

Many netizens are concerned that the reason why the minimum payment of medical insurance is because of the lack of money in the medical insurance fund? In the opinion of experts, this understanding is one -sided.

Wang Zhen said that the minimum payment period of improving medical insurance is attributed to the medical insurance fund's money insufficient money. In fact, this is not the case. There is no shortage of quantity.

According to data from the National Medical Insurance Administration, as of the end of 2021, the national basic medical insurance (including maternity insurance) funds currently deposited 468.448 billion yuan, with a cumulative deposit of 3615.630 billion yuan. The cumulative deposit of more than 36 trillion yuan is abundant in general.

What is the impact of improving the minimum payment period?

For the impact of the minimum payment period of medical insurance, Zhang Yinghua believes that in the province, with the unity of the minimum payment period, the pace of provincial -level provincial -level overall planning of basic medical insurance will be accelerated. It is conducive to institutional fairness.

In her opinion, this will also drive the "actual minimum payment period" to increase, increasing the income of basic medical insurance funds. Some people may extend the payment period. For example, if the actual payment period is raised, the closer to the retirement age, the more likely to extend the payment; more flexible employees may change to participate in the urban and rural residents' medical insurance.

What should I do if there is no minimum payment period?

The minimum payment period of medical insurance is 30 years and women are 25 years. Some people feel that it is difficult to reach this period. What should I do if the retirement age is dissatisfied with the minimum payment period? Do you want to pay the fee all the time?

From the perspective of various local policies, to the lowest period of payment of retirement age, it is allowed to make up for one -time payment.

Among them, Guangdong is clear that you can choose a monthly or one -time payment to the prescribed years in accordance with the regulations. Choose a one -time payment person to handle the monthly average salary of the monthly full -caliber urban unit employment personnel as the payment base after retirement of one -time payment. Speed. For those who pay a one -time payment, they enjoy the medical security treatment of retirees after the payment of the prescribed period. For those who fail to reach the minimum payment period at the time of retirement, Shandong has clearly clarified two solutions: First, you can enjoy the basic medical insurance benefits of retirees after a one -time payment. The second is to continue to pay for the minimum payment of the minimum monthly on a monthly basis.

Wang Zhen said that migrant workers and flexible employees are more difficult to pay for men 30 years and 25 years. This is the disadvantage of the "semi -accumulation" characteristics of the "semi -accumulation" characteristics of the medical insurance system in my country. From the perspective of improving my country's medical security system, improving the fairness of the system, and operating efficiency, in the end, it is still necessary to cancel the "semi -accumulation" policy of retirees without paying.

Wang Zhen explained that in terms of theoretical or international development experience, medical insurance and pension insurance are two types of insurance. Medical insurance is mutual aid. The institutional arrangement should be paid. Retirees should be paid. As a result, medical insurance has become a "semi -accumulation system", affecting the efficiency and fairness of operation. Especially for migrant workers, flexible employees, etc., strong liquidity and high work conversion frequency. Under the "semi -accumulation system", its rights and interests are more difficult to safeguard. From this perspective, it is also an inevitable trend to cancel retirees without paying fees. As long as it is a urban employee, no matter where he is or to engage in, you can participate in insurance and enjoy treatment at any time. Secondly, from the perspective of institutional fairness, medical insurance for urban and rural residents does not have retirement and does not pay. From the perspective of the fairness and unity of the system, the cancellation of retirees without paying fees, and the "semi -accumulation system" of unreasonable reform is also an inevitable requirement.

Wang Zhen believes that unifying different minimum payment years across the country is the first step in solving the "semi -accumulation system". In the end, we must return to the current collection system, and return to the track where all the insured pays fairly. This can fundamentally solve the problem that migrant workers and flexible employees are difficult to achieve the minimum payment period.

Source: China News Network

Edit: Weekend

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