When I reach the statutory retirement age, I need to pay for medical insurance for 10 years, how much money do I need to prepare?
By 2024, you can go through the retirement procedures according to the specified time, and for many people, if you have paid social security for 15 years and reached the statutory retirement age, you can go through the retirement procedures according to the specified time. However, we should note that this data only covers the retirement of urban employees' pension insurance, not the retirement of urban employees' medical insurance. In the medical insurance for urban employees, the conditions for retirement and the conditions for pensions are completely different.
In addition, the cumulative payment age of employee medical insurance is not fixed in China, and many times it is more than 15 years, and in most areas the requirement is 30 years, and 25 years for women. Before retirement, if you do not meet the cumulative payment period, you can make up the social security at one time before retirement, and then go to apply for the retirement allowance of medical insurance. Therefore, most people face this problem after reaching the statutory retirement age.
First of all, pension insurance requires working hours, for example, men have to work for 30 years, which is a long time, and most people do not have this ability. In addition, because endowment insurance and medical insurance are insured at the same time, that is, endowment insurance has reached the standard of retirement, while medical insurance does not necessarily meet the requirements of retirement, so social security must be made up before retirement. If we have to pay for health insurance for another 10 years and then retire, how much will it cost?
In this regard, the regulations vary from place to place, but the most important thing is to look at the payment basis of social security, according to the different social security payment bases, the corresponding pension insurance, medical insurance and other social security will also change accordingly. Due to the different amounts of contributions, the basis of social insurance contributions varies from region to region, and the corresponding medical insurance contributions will vary slightly. Generally speaking, when the insured person pays medical insurance, it is calculated according to 60% of the local average salary.
However, when it comes to making supplementary payments, not all of them are 60%, but 60%, or even 8%! In some places, the tax rate will be between 5% and 10%. It's just that when it comes to payment, it is generally paid at a lower level, because even if you don't set up a personal medical insurance account, there is no need to pay too much extra fees. Therefore, most people will choose a lower level, which is 4% or 5%.
From this point of view, the annual payment standard is roughly around 4,000-5,000 yuan, and even more than 5,000 yuan in some areas. We take 4,500 yuan as a median, and the cost for 10 years is about 45,000 yuan, and in some areas it is even less than 4,000 yuan. Therefore, this ** is more reasonable in this range, and the cost of ten years is about 40,000 to 50,000.
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