Nowadays, many freelancers or friends who do not have a job will face the same problem: how to pay social security without a workplace? Which way is more cost-effective? First of all, for friends who are not familiar with social security, a simple science popularization. Start planning my 2024 China's social security is divided into two major systems: social security for employees and social security for urban and rural residents. Employee social securityThe overall protection is more completeThose who work in the unit must pay and pay on a monthly basis, and the cost is borne by the unit and the individual. Individuals who do not have a unit can pay social security for employees in a flexible employment status. Social security for urban and rural residents, only pension and medical security. Local students and residents who do not have jobs or units can buy them and pay an annual fee. If we pay social security ourselves, we will choose one of the two. As for which to pay, it depends on your requirements for social security benefits. Although both of them include the most important medical care and pension, the difference is quite large! Let's start with the difference between health insurance. 1) The payment standard is differentMedical insurance for urban and rural residents is paid annually, pay for one year and guarantee one year. Residents pay the fees themselves, and at the same time enjoy certain financial subsidies. Taking Shanghai as an example, there are 4 payment standards according to age, and the largest amount of expenses are borne by **. 
Employee medical insurance, paid on a monthly basis, has a payment base limit of 60%-300%. There are unitsAccording to the actual monthly salary, 2% for individuals + 10% for units, which will be withheld and paid by the unit. If you pay it yourself,That is, the individual bears 12% in full, and for adults, assuming that the minimum base is 60%, the monthly fee needs to be 877$2. 7310*12%=877.2 That's 10,526 a year$4. The medical insurance for urban and rural residents is only 935 yuan per yearJudging from the amount of contributions, it will be more expensive to pay for employee medical insurance. 2) The reimbursement treatment is differentShanghai'sMedical insurance for urban and rural residents, 19-59 years old top three hospitalization up to 60% reimbursementEmployee medical insuranceThe maximum reimbursement for hospitalization of in-service employees is 85%, with a cap of 610,000 yuan. The reimbursement rate will be different in other citiesBut in general, the reimbursement treatment of employee medical insurance will be betterAfter reaching the cumulative payment period, and enjoy the benefits of lifelong medical insurance after retirement. Let's look at the difference between pensions.
Whether it is the pension of employees or the pension of urban and rural residents, they all follow the principle of "pay more and get more", and the more individuals pay, the more they will receive in the future. However, the payment standards and treatment of the two are also different, as shown in the figure
In Shanghai, for example, individuals are paid in a flexible employment statusEmployee pension, pay at 60% of the minimum base, at least 1754 per month4 yuan, that is, 210528 yuan year. Of these, 1 3 are deposited into individual accounts and the rest are deposited into pooled accounts. Residents provide for the elderlyThe maximum annual payment is 5,300 yuan, and it will also be subsidizedAll are deposited into a personal account。In comparison, the difference between the payment amounts of these two types of social security pension is 4 times faster. In terms of pension treatment,The calculation formula is personal pension + basic pension. Employee pensionThe formula is more complicatedThe basic pension is related to the number of years of payment, the payment base, and the local average salary. Residents provide for the elderlyIt is relatively simple, and the basic pension is directly regulated by the local government. The same payment for 30 yearsEmployee pension is based on the minimum base: 7468 yuan per monthResidents' pension is based on the highest base：2543.88 yuan month so it seems,Although employees pay more for the elderly, they also receive more pensions every month, which can maintain a relatively good retirement living standard. Residents provide for the elderly, pay less money, but have high returns, and enjoy first-class subsidies. 
Back to the original question, which is more cost-effective to pay social security by yourself?
It still depends on the individual's financial ability and treatment requirements. If the annual budget is small, pay social security for urban and rural residentsAt least more than 1,000 per year, you can enjoy medical insurance reimbursement and pension treatment"Low pay, high return", very cost-effective. IfThe economic conditions are good, want to have better overall security and higher social security benefitsPay social security for employees, the proportion of medical insurance reimbursement is high, and the pension is also more. As a reminder, if you pay social security for employees, it is more cost-effective to pay 60% of the minimum base(The specific reason was written before: how to pay social security is cost-effective In addition, it is also very convenient to pay social security by yourself now: