I've been asked the most about the contributory season of the year: "i'm in good health, can i not pay?"
This year, it was concluded that in 2027, the national minimum rate of personal contributions for urban and rural residents was 400 yuan, which remained unchanged for three consecutive years; the financial subsidy rose to 724 yuan per person per year. You can choose not to pay, but to see the cost of the severance before deciding。
One, 400 dollars. What did you buy
The sum of $400 was distributed to 365 days a year, approximately $1 per day。
And this $400 isn't all. You pay $400 and $724 from the state budget, which adds up to $1124, to join the general health insurance fund. In other words, for every dollar you pay, there's about $1. 8。
The sum of $400 corresponds to a five-fold guarantee: general outpatient care, outpatient medication for hypertension diabetes, outpatient special cases, hospitalization and insurance for major diseases. In general, cold fever can work, hospitalization can report, and major illness and insurance schemes are available。
Discontinuation or delay, and what are the costs
People's health insurance is a "one year's payout, one year's insurance" and no employee's health insurance。
Under the state insurance system, contributions are not paid during the contributory period, or in the previous year, and there is usually a three-month fixed entitlement waiting period after reinsurance; for each additional year, a change waiting period is added. Medical expenses incurred during the waiting period are not reported。
For example, assuming the hospitalization cost $20,000, the policy covers 70 per cent of the cost, with a return of around $14,000. If it happens to be in the waiting period, the $14,000 will have to be paid for itself. Saved $400, probably more than $10,000。
When, how
Centralized contribution periods in 2027, mostly between october 2026 and january 2027. In the case of hubei, the period of contributions is from 13 october 2026 to 31 january 2027. The specific deadline for your municipality is determined on the basis of the notification from the local health service and the community。
The contribution channel is now convenient:
- online: local tax or health insurance schemes, "city services" for the payment of treasures or micro-credits, mobile banking
- underline: community or village councils, tax halls, protocol banking points
- personal accounts for employees ' health insurance: a number of regions support the use of your employee's health insurance accounts to provide health insurance to parents, spouses and children on behalf of the population, with specific reference to local policy。
It is important to note that most regions require registration within 90 days of birth, exempting them from contributions for the year in which they are born; however, many regions require that a child born before 31 december 2026 be paid for the year 2027, specifically by the local health services。
Iv. Four of the most common issues
1. Working in the field, are they available at the site
Yes. Health insurance for residents is not restricted by civil status and is sufficient at the place of residence or employment, but is not repeated。
2. Are workers insured and residents insured
No need. Two types of health insurance cannot be duplicated and are wasted。
We didn't pay last year. Can we make it up this year
Insurance is available, but there may be waiting periods, and last year's costs cannot be reimbursed。
4. Are people over 60 years old still paying
Residents' health insurance is usually not exempt from payment until the age of 60 and requires annual contributions. Poor groups, such as low-insurance, special hardship and severe disability, are in many places covered by government-funded insurance, with specific reference to the community。
Five, three things today
First, check your cityContributionsAnd deadlines
(b) second, to help parents and children pay their fees and to keep a certificate of contribution
Third, pass this on to the man who says he's good。
Four hundred dollars, it's in case. You can hope it never works, but don't break it when you can。
How much is your city paying this year? What is the period of concentration? The comment section says i'll show you。
