The monthly balance of personal account of medical insurance for urban workers this year is less than last year 100 yuan. What is this? This year, the personal medical insurance accounts of urban workers were reformed, which really reduced the transfer ratio and standard of personal medical insurance accounts. If you are an on-the-job employee, the transfer standard will also be lowered, because the previous transfer standard for this on-the-job employee was that the individual paid 2% and the unit paid 30%, which will be transferred to the personal account together.

After the reform, only 2% paid by individuals will be transferred, and 30% paid by enterprises will no longer be transferred. So it will obviously reduce the proportion of our rowing. According to the previous stroke, basically everyone can reach about 3%~4%, such a transfer ratio. Moreover, it is transferred by age, and the older the population, the more dominant it is. However, in the future, the plan of the enterprise unit was cancelled, so it was only transferred according to 2% of your personal contribution, that is to say, how much money you deducted from your salary every month, then all the deducted money went into our medical insurance account.

In this way, it is normal that our personal medical insurance account is less than 100 yuan per month. In addition to the influence of this incumbent, it also has obvious influence on the retirees of our urban workers' medical insurance. And strictly speaking, the influence of retirees may be greater than that of incumbents, because retirees are older. In the past, his transfer standard was to consider the age factor, but in the future, retirees also lowered the transfer level, and it is conceivable that its influence is even greater than that of on-the-job personnel.

In many areas, the transfer is based on 2% of the average pension in the region. Obviously, the standard of general pension may be less than 2% of the contribution base deducted by employees, and it may be only 50 to 60 yuan or 70 to 80 yuan every month. The impact on them can be said to be very great. But what we need to know is that although the overall level of personal medical insurance account balance has decreased, outpatient reimbursement has been included in the ranks at the same time. Our employees' medical insurance can be directly reimbursed when they see a doctor in the outpatient department. There is no deductible line, and they can directly enjoy 50% reimbursement.

At the same time, go to the pharmacy to buy medicine, so some medicines, such as medicines for chronic diseases, are included in the medical insurance catalogue. Everyone can enjoy direct reimbursement, so objectively speaking, our actual treatment has not decreased, but the balance in the personal medical insurance account has decreased. The advantage of this practice is that it can activate the use of our personal account to the greatest extent and most effectively, because you can only enjoy the reimbursement of medical insurance if you use it and go to the hospital for medical treatment or medicine. So this method is to activate the utilization rate of individual medical insurance accounts. Don't let your medical insurance account become a dormant account.