Men's 30 years and women 25 years, and the minimum payment period standard for regulating medical insurance in many places, what signals?Expert: Mainly affect two types of people

Recently, many provinces have successively unified and raised the minimum payment period of medical insurance in the province, which has aroused widespread society.

For example, according to the new medical insurance policy issued by Shandong and Guangdong, the minimum payment period of medical insurance will be increased to male employees for 30 years and 25 years of female employees in the next few years. treatment.

Is it because of the "no money" of medical insurance payment? What should I do if the payment period is not enough when retired?

Multi -land increase the minimum payment period

On June 22, the “Interim Measures for the Continuation of the Provincial Transfer of the Provincial Basic Medical Insurance Relations in Guangdong Province” (hereinafter referred to as the “Interim Measures”), which was jointly formulated by the Guangdong Provincial Taxation Bureau and other departments, stipulated that by January 1, 2030, the whole province ’s province The cumulative payment period will be unified for 30 years and female employees for 25 years.

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 should I increase the minimum payment period of medical insurance to men 30 years and 25 years?

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.

Earlier, the "Opinions on Establishing a Medical Guarantee Treatment List System" (Medical Insurance Fa [2021] No. 5) issued by the State Medical Insurance Bureau on January 19, 2021 requires the gradual regulatory policy of payment for all regions. On June 16, 2021, the State Medical Insurance Administration issued the "Three-year Action Plan for the Three-year Action Plan for the Implementation of the Medical Guarantee List System (2021-2023)" (Medical Insurance Office Fa [2021] No. 32), proposed to use about 3 years to implement it, implement it, and implement it to implement it. The medical security treatment list system basically achieves standardized unification of the medical security system settings, policy standards, and fund payment scope.

Prior to this, the minimum payment period in the provinces in a number of provinces is not uniform, and some areas can be in 10 or 15 years. For example, Guangzhou, currently 10 years (before 2014) or 15 years (after 2014 Implementation; some areas for 25 years, women for 20 years, such as Beijing; some areas have to be men for 30 years, women over 25 years, such as Chongqing.

After the release of the above documents, the minimum payment period was adjusted in Hebei, Liaoning, Shandong, Guangdong and other places, uniformly raised to men for 30 years and 25 years in women.

Photo source: Photo Network_500988701

The minimum payment period of "male employees for 30 years and female employees has been 25 years" is longer than the current payment period that is currently implemented in multiple places, and the corresponding transition policy has been formulated on the local area.

In the interpretation of the relevant policies, the Shandong Yantai Medical Insurance Bureau stated that the male employee for 30 years and the female employee 25 years. Compared with the current standards of the city, the minimum payment period of male and female employees has increased by 5 years. Yantai City has determined that retired after January 1, 2026, the minimum payment period of employees' medical insurance payment is 30 years and female employees reach 25 years before they can enjoy the medical insurance treatment of retirees in accordance with regulations. The minimum payment period of 25 years of male employees and 20 years of female employees.

Is the medical insurance fund lacking 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?

According to Chinanews.com, Wang Zhen, a researcher at the Institute of Economics of the Chinese Academy of Social Sciences, said that improving the minimum payment period is an inevitable requirement for improving my country's medical security system. Fairness. 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.

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 number of participants in basic medical insurance (hereinafter referred to as basic medical insurance) nationwide was 136.297 million, and the participation rate was stable at more than 95%. In 2021, the total revenue of the National Basic Medical Insurance (including maternity insurance) funds was 2872.758 billion yuan, an increase of 15.6%over the previous year; the total expenditure of the national basic medical insurance (including maternity insurance) funds was 2404.31 billion yuan, an increase of 14.3%over the previous year; the country nationwide; the country nationwide; the country nationwide; the country nationwide; the country nationwide Basic medical insurance (including maternity insurance) funds currently deposited 468.448 billion yuan, and a total of 3615.63 billion yuan was cumulative. Among them, the cumulative deposit of the basic medical insurance (hereinafter referred to as employee medical insurance) of employees was 1175.398 billion yuan. The cumulative deposit of more than 36 trillion yuan is abundant in general.

2012-2021 Resident medical insurance fund revenue and expenditure units: 100 million yuan data source: National Medical Insurance Bureau

In May of this year, the relevant department of the State Medical Insurance Bureau responded to the test expenses such as the test expenses of the new coronary virus nucleic acid testing more than the public opinion. In accordance with the "Guiding Opinions of the State Council's response to the new coronary virus infection pneumonia's epidemic and control mechanism on the normalization prevention and control work of the new coronary pneumonia," the implementation opinions on accelerating the detection of new coronary virus nucleic acid ", the required costs shall be borne by local governments. Therefore, at present, the financial departments have provided financial support for normalized nucleic acid testing.

What should I do if I am dissatisfied with the 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.

According to the First Financial Report, Liao Zangyi, an associate professor at the School of Political and Public Management of the University of Political Science and Law, said that the minimum payment period mainly affects two types of people. First, the people who are about to reach or have reached the minimum payment period in the past and will soon enjoy the treatment of retired medical insurance. According to the new policy, they will continue to pay; the second is the flexible employment crowds with low income and unstable income. After participating in medical insurance, they want to do everything possible to pay the minimum payment period, and they will increase their burden after increasing the life. For most young people and high income people, the impact of increasing payment periods has little effect.

Edit | Lu Xiangyong Du Hengfeng

School Division | Wang Yuelong

Daily Economic News integrated from Chinanews.com, First Financial, and Interface News

Daily Economic News

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