As the medical insurance benefits of urban and rural residents continue to upgrade, why are there still people who are reluctant to participate in insurance?The reason is revealed!
We all know that urban and rural residents have to pay more than 300 yuan a year to enjoy a year's medical insurance reimbursement. If we look at the payment of 300 yuan, we don't think it's particularly low, because there is no comparison, and many people may not realize whether 300 yuan is profitable or not. 365 days a year, a dollar per day premium. However, many commercial supplementary medical insurance is actually only a few hundred yuan a year, and the medical insurance for urban and rural residents seems to be comparable to commercial insurance, so is it necessary to participate in the medical insurance for urban and rural residents?Why are so many people willing to choose not to participate in the medical insurance for urban and rural residents?
In fact, the treatment of medical insurance for urban and rural residents is constantly improving every year, and the medical insurance for urban and rural residents is more than 300 yuan, taking this year 2023 as an example, individuals have to bear 380 yuan, but this 380 yuan is not our total payment, but only a small part of the payment, accounting for about 1 3 of the total payment. Since the remaining 2 3 is not mandatory, but must be allocated by financial subsidies, each person can enjoy subsidies ranging from 600 yuan to 800 yuan per year, so that we can enjoy the corresponding benefits after paying individual contributions at the same time.
And more importantly, although we say that the level of individual payment is steadily increasing every year, for example, this year's personal payment will reach 380 yuan in 2023, compared with only 350 yuan last year, which is actually an increase of 30 yuan. But in fact, the financial subsidies given to us are also increasing every year, probably about 30 yuan per person per year, so although our corresponding welfare has increased by 30 yuan, but for us personally, it has also increased by 30 yuan, so there is no doubt that you can really enjoy the welfare subsidy if you pay this fee.
But even so, there are still many people who choose not to pay medical premiums for urban and rural residents, and one set of data shows that about 25 million people choose not to pay medical premiums for urban and rural residents. The fundamental reason is that the level of medical insurance payment continues to increase every year, resulting in most of these people who have not seen a doctor and have no experience of seeing a doctor, and think that there is no need to pay medical premiums for urban and rural residents, so they simply give up. Urban and rural residents who pay medical premiums have no experience in seeing a doctor, so it seems that paying medical premiums for urban and rural residents is useless, so they simply give up.
In fact, I personally suggest that the annual payment level of medical insurance for urban and rural residents should not be too high, more than 380 yuan can be, compared with the flexible employment of urban workers medical insurance of three or four thousand yuan per shift per year, it is still much cheaper, which is a benefit, and once you pay, you can also enjoy the corresponding financial subsidies, which is another benefit, so that you give up completely, you can not enjoy the benefits of subsidies if you do not pay, and at the same time you have to go to the doctor when the situation occurs. In this case, the medical expenses incurred will force you to bear the entire cost of your own expenses, but it is conceivable that this financial pressure is very large, and the benefits itself outweigh the losses, so it is not recommended to give up the payment.
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