What is the proportion of medical insurance subsidies for retirees in 2024?
In 2024, for retirees, what is the proportion of money in the medical insurance card? In fact, as we all know, the personal medical insurance account of employees, starting from 2020, has a retirement, so the biggest feature is that the money in the personal medical insurance account is reduced, especially for retirees. Before retirement, in the past, as a retiree, his transfer ratio was divided according to age, and he himself was relatively old as a retiree, so the overall transfer ratio was relatively high, and many people could generate three or four hundred yuan a month.
But after retirement, many people no longer have such a high level of treatment, and the retired elderly can not even receive 100 yuan, this is because some areas have adopted the per capita pension adjustment standard, and the proportion of treatment is 2% to 3% according to this adjustment standard, 2% in some areas, and 2 in some areas5 per cent, or 3 per cent in some areas. But this per capita pension level is a public fact that everyone knows, and the vast majority of regions are actually below 3,500 yuan, which is a very low standard.
If it is calculated according to 2% of 3500 yuan, that is 70 yuan, isn't it less? Even if calculated according to the standard of 3%, then 3,500 yuan is only 105 yuan, and before the reform, there was often a significant reduction of two or three hundred yuan or even three or four hundred yuan. Although the amount of money in the personal health insurance account has decreased, in principle, it will not reduce one's own benefits. Because the medical insurance card is used in an outpatient setting, it is now possible to see a doctor to solve the problem. The other part is paid by **, which means that medical insurance can be reimbursed.
So, while the Medicare card has less money, we can now benefit from partial pooled payments, which is still very beneficial for individuals. Let's look at this health care reform from another angle: if a young person, such as a group of young people or a group of people under middle age, is relatively healthy, the likelihood of seeing a doctor is relatively low. This means that there is a feature that causes them not to use their personal accounts for a long time, because they do not enjoy the payment of health insurance**, so the money on the health insurance card is actually reduced.
In fact, the reduction of individual medical insurance accounts is not only a decrease in retirees, a decrease in active employees, but also a significant reduction in the number of active employees in the past, not only the transfer of this 2% of individual contributions. 6% and more than 10% of the unit payment can also be transferred around 1 3 or even more. But now that it is not transferred, the unit payment of 1 3 only transfers the individual part, and it is obvious that the level of transfer is low. Therefore, this ratio is very small on the medical insurance card, but in the future, we can enjoy the corresponding reimbursement when we go to the pharmacy to buy medicine or go to the outpatient clinic, which is still very good for individuals, especially for some people who often see doctors, in fact, it is affordable.
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