Therefore, from 65438+ 10 month 1, the upper and lower limits of the monthly payment base of social insurance (including medical insurance) in Shanxi Province are 3548 yuan to 17742 yuan.
The Provincial Department of Human Resources and Social Security, the Department of Finance, the Taxation Bureau and the Medical Insurance Bureau announced the base standard for paying social insurance in 2023 on July 7.
According to the relevant statistics provided by the Provincial Bureau of Statistics, in 2022, the average wage of full-caliber urban employees (weighted by the average wage of urban non-private employees and the average wage of urban private employees) was 77,257 yuan, and the average monthly wage was 6,438 yuan. On this basis, it is determined that in 2023, the lower limit of the monthly payment base for employees of enterprises and institutions in the province to participate in social insurance is 3,863 yuan, and the upper limit is 193 14 yuan.
Individual industrial and commercial households without employees and flexible employees can pay the basic old-age insurance premium for enterprise employees, and choose an appropriate payment base between 60% and 300% of the average salary of employees in all-caliber urban units in the province. That is, the monthly payment base is between 3863 yuan-193 14 yuan, and the payer can choose to declare according to his income.
This payment base standard will be implemented from June 65438+1 October1in 2023.
How much does it cost to participate in social security?
Participating in social insurance mainly includes two situations: employees of employers participating in social security and flexible employees participating in social security.
Employees of employers participate in social security, and social insurance premiums are shared by employees and employers. They need to participate in four major insurances: basic old-age insurance, basic medical insurance, industrial injury insurance and unemployment insurance.
For basic old-age insurance, employees themselves need to bear 8% of the individual contribution base. The corresponding payment base cannot be freely selected, but is determined according to the monthly average amount of the total wages of employees in the previous year. When the employee contribution base is the lower limit, 283 84 yuan will be paid every month.
The payment base of an employer is generally the sum of the payment bases of its employees, and in some places it is determined according to the total wages of employees. The unit contribution ratio is generally 16%. For employees, the employer will also pay 567 and 68 yuan.
If you include medical insurance, industrial injury insurance and unemployment insurance, you need to pay 1230 yuan almost every month.
If the maximum payment base of 300% is 17742 yuan, the payment is five times of the minimum base, and you need to pay more than 6,000 yuan almost every month.
The participation of flexible employees in social insurance mainly means that individuals can selectively participate in basic old-age insurance and basic medical insurance. The contribution rate of the basic old-age insurance is 20%, so 60% of the minimum payment base needs to pay the old-age insurance premium of 709 6 yuan per month and 85 15 2 yuan per year. If you choose the maximum payment base of 300%, you need to pay 42,576 yuan a year.
Generally speaking, when we calculate the pension, the difference between the 60% contribution base and the 300% contribution base is not as big as five times. In addition, the proportion of medical insurance reimbursement for high and low payment bases is basically the same.
To sum up, the average wage of employees in full-caliber urban units is 70,968 yuan, and the average monthly wage is 59 14 yuan. The minimum payment base of medical insurance is determined according to the local economic development level and residents' income level, and the minimum payment base will be different in different regions. The coverage of medical insurance is very rich, including outpatient medical expenses, hospitalization medical expenses, special disease treatment expenses, maternity medical expenses, chronic disease management expenses and so on.
Legal basis:
People's Republic of China (PRC) social insurance law
Article 23
Employees should participate in the basic medical insurance for employees, and employers and employees should pay the basic medical insurance premiums in accordance with state regulations. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.
Article 27
Individuals who participate in the basic medical insurance for employees will not pay the basic medical insurance premium after retirement and enjoy the basic medical insurance benefits in accordance with the provisions of the state if they reach the statutory retirement age and the accumulated payment has reached the fixed number of years stipulated by the state; Those who have not reached the fixed number of years prescribed by the state may pay the fees to the fixed number of years prescribed by the state.