Is it true that the medical insurance for urban employees will no longer return money to the personal medical insurance card from 2020?For this problem, we can clearly tell you that for individuals who participate in our urban employee medical insurance, the reform of personal medical insurance accounts has indeed been carried out from 2020. However, the reform of the personal medical insurance account has not completely canceled the transfer of the personal medical insurance account. Instead, to a certain extent, the transfer standard and amount of the medical insurance account have been reduced and reduced, as both active and retirees have a clear feeling that the money in their medical insurance card has indeed decreased, but it has not been completely canceled.
There may be some people who just catch up with the fact that they did not participate in the insurance through the unit during this time period, and participate in this employee medical insurance according to the way of flexible employment. The flexible employment of individuals has a characteristic, in the process of choosing urban employee medical insurance payment, you can choose high-grade and low-grade, two different payment grades to choose, many areas have such a selection condition, if you choose high-grade to pay, then in fact, it is to establish a personal medical insurance account and return accordingly. But only the high-end payment level is higher, the corresponding payment amount will be returned, in fact, the money returned, is your personal cash expenditure, this is no doubt.
However, if you choose a low-grade payment, in fact, you will not return the amount of the personal medical insurance account, many flexible employees do not have a fixed work unit, relatively speaking, there is no fixed economic income**, then there is really no condition in the choice of payment grade, and there is no ability to choose a higher payment grade and standard, so it is a phenomenon that he will choose a low grade to pay, so that the corresponding personal account will not be established.
However, for our incumbents, including retirees, the medical insurance personal account will still be transferred, starting from April 2020 to December 2022, in the past three years, the reform of the personal account of urban employee medical insurance has indeed been carried out, and from January 2023, the reform has basically been put in place, so whether it is retirees or incumbents, it has been very clear that the money in the medical insurance account has decreased. The incumbents are mainly no longer transferred to the part of the expenses borne by the enterprise unit, only to transfer the part of the expenses paid by the individual, then in fact it is very little, basically how much money you deduct from the salary will be how much you develop.
And retirees have completely reduced their transfer levels. In the past, retirees were transferred according to the average social salary according to their age, but after the reform, they were transferred according to the standard of per capita pension, so in this way, the overall level will be greatly discounted, and many people's per capita pension may be less than 3,500 yuan, so even according to 2% The standard of transfer, may only produce sixty or seventy yuan per month of medical insurance personal account, then obviously, this has a relatively large impact on retirees, but there is an advantage that it is included in the ranks of outpatient reimbursement, including the purchase of drugs, so to a certain extent, you can enjoy the corresponding reimbursement.
Thank you for reading, talk about retirement knowledge every day, I focus on the field of social security and retirement, there are friends who like my articles, you can add my attention, thank you.