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The premium for medical insurance for urban and rural residents is paid annually in a fixed amount, and the financing standard for 2023 is 1,020 yuan/person, of which the financial subsidy is not less than 640 yuan/person, which is the bulk of the financing; the individual payment standard of 380 yuan is only a small part of the financing, and the financial department will also give full or partial subsidies to people in difficulty such as low-income households.
The medical premiums paid by residents, together with financial subsidies, form a common basic medical insurance fund pool for the majority of urban and rural residents in the mainland, which brings about a continuous improvement in the level of basic medical insurance for the masses. Here, I would like to add a few data for 2023: first, the total amount of individual medical insurance payments for urban and rural residents in the country will be 349.7 billion yuan, second, the financial payment subsidy for residents will be 697.759 billion yuan, and third, the annual expenditure of the resident medical insurance fund will be 1,042.3 billion yuan. The total annual expenditure of the resident medical insurance fund is 2.98 times the total amount of individual residents' contributions.
Some people say that "I didn't get sick after paying medical insurance, but I suffered a loss" is not. The occurrence of disease is often uncertain. In modern society, it is difficult for individuals and families to afford the high cost of treatment in the face of sudden and serious diseases. The essence of insurance is to bring together the efforts of all parties to help individuals and families who are unfortunate enough to suffer from serious illnesses to resist the risk of large medical expenses. Therefore, participating in medical insurance is to "be protected when you are sick, and benefit others when you are not sick".
Article source: Original Jilin News Comprehensive Broadcasting
Editors: Yan Da, Zixin
Review: Huai Nan
Producer: Zhao Min, Zhong Xiao
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