1,900 yuan per household in rural areas, investigation of the situation behind it
Reasons why rural households are not covered by health insurance.
After getting in touch with some rural families, we learned the reasons why some families did not participate in the medical insurance for urban and rural residents in a timely manner. The reasons for this are varied, and the reasons for not being insured vary from village to villager. On the one hand, some families are financially unstable and cannot afford the additional cost of medical insurance, resulting in family members not participating in medical insurance this year. On the other hand, some villagers feel that they are in good health and do not need to pay this money, and they pay it in vain every year, so they choose not to participate in the insurance this year. Some villagers also chose to cut off their insurance because of the low amount of reimbursement in installments, or because they went out to work. Whatever the reason, we should all be aware of the importance of taking out personal and family insurance.
On the other hand, although the number of people in rural areas who do not participate in medical insurance is increasing, the village cadres who are the managers will take measures to remind each household to pay medical premiums before the payment deadline according to the local insurance situation. For example, on the first day of December, the village publicized the deadline for medical insurance payments, asking each villager to remind the uninsured to enroll as soon as possible. At the same time, they also informed villagers who missed the centralized payment period that if they were insured during the compensation payment period, they would need to wait 30 days before they could enjoy the medical insurance benefits. All these warnings and measures are aimed at ensuring that everyone can pay their health insurance premiums on time and receive medical coverage.
Medical insurance costs and payment schedules.
According to local policies, every household in rural areas must pay medical insurance premiums, depending on local policies. Based on the current situation, if there is no change in the local contribution policy, everyone must pay a minimum medical insurance premium, which is $380 per person per year. If a family of five wants to participate in medical insurance, the cost is at least 1900 yuan. Of course, this is only the minimum payment standard, and if the standard is higher, the payment amount may be higher, so you need to prepare in advance.
It is important to note that the regulations on medical insurance contributions and payment periods vary from region to region. After the end of the centralized payment period, if the number of local insured people decreases, the payment period will be extended in each region, and you can also enroll in medical insurance during the compensation period. However, if you miss the payment period again and do not enroll in health insurance, you will have to bear more health insurance costs than you would normally pay for it. In the absence of a financial subsidy of 640 yuan, the medical insurance premium that an individual must pay is 1 020 yuan. Therefore, you need to be aware of this and try to pay your medical insurance premiums by the end of December.
The importance and cost-effectiveness of health insurance for rural families.
As the only medical security system for farmers, the importance of medical insurance cannot be ignored. On the contrary, although the cost of paying for health insurance has increased in recent years, after careful calculation, we found that it is actually very cost-effective. For example, the standard of individual payment is 380 yuan per year, which means that the average daily cost is only about 1 yuan, and a family only needs to spend seven or eight yuan a year. From an economic point of view, this ratio is very affordable and can cover the medical needs of the family.
Conclusion. In short, all families in rural areas inevitably have to pay health insurance premiums. The village cadres will also remind all relevant personnel to go through the medical insurance registration procedures in time in the new year, especially to announce the payment deadline and remind them to pay attention to the conditions of the additional payment period. Medicare contribution rates and payment periods may vary from region to region. Despite the increase in the amount of contributions, considering the importance and cost-benefit ratio of medical insurance, we should take a sensible attitude and pay medical insurance on time. Finally, we look forward to your discussion on this topic and sharing your opinions and experiences.