First, let's take a look at where the reform of the medical insurance personal account will be implemented. Shandong Province is one of them, according to the "Shandong Province Implementation Plan for Establishing and Improving the Outpatient Mutual Aid Mechanism for Basic Medical Insurance for Employees", starting from January 2024, the amount of retirees will be 2% or 2% of the per capita pension in 2023 in the overall planning area5% to execute. This means that the amount credited will be significantly reduced.
Taking Qingdao as an example, the current standard for the medical insurance personal account of retirees is 4 of their own pension5%, if the pension is 5,000 yuan, 225 yuan per month, more than 220 yuan. However, according to the new regulations, starting in 2024, it will be 2% or 2 percent of the per capita pension5% to transfer, the amount may be less than 100 yuan.
In addition, Jiangsu Province will also carry out the reform of medical insurance personal accounts. From January 2024, the amount of retirees will be 25% to execute. For example, in Nanjing, the standard for retirees this year is 5 of their pensions4 per cent, while under the new regulations, the proportion of standard assignments will be reduced by more than half.
Liaoning, Shenyang, Zhejiang, Hangzhou, Ningbo and other places will also adjust the criteria for the inclusion of medical insurance personal accounts in 2024. For example, Shenyang is currently classified at 2% of the per capita pension, and from 2024, it will be refunded at a fixed amount of 80 yuanHangzhou, Ningbo and other places have not changed.
Overall, the standard of medical insurance rebate will generally be reduced, and the medical insurance rebate in most places will be less than 100 yuan. Only a few places can still reach more than 220 yuan after the reform, such as Shenzhen, which still has a monthly medical insurance rebate of 251 yuan.
To sum up, from 2024 onwards, with the advancement of the reform of medical insurance personal accounts, the monthly medical insurance rebate of retirees will generally decrease, and it will be difficult to reach 220 yuan. However, it should be emphasized that although the medical insurance rebate of retirees has decreased, the overall medical insurance protection has not decreased, and the level of protection for retirees has been improved through outpatient reimbursement and other means.
This incident has aroused concern and controversy in society. Some people believe that the reduction in health insurance rebates for retirees means a reduction in protection, which will affect their lives. However, some people believe that the reformed medical insurance system can still meet the basic medical needs of retirees, and the overall level of medical insurance protection has not been reduced through the operation of the pooled account.
From my personal point of view, the reform of medical insurance personal accounts is to improve and optimize the existing system, with the aim of better protecting the basic medical needs of the people. Although the amount of medical insurance rebate may be reduced, the overall level of medical protection will not decrease, and will even increase. In this context, retirees are still able to enjoy relatively stable and reliable medical protection.