The difference between flexible employees (unemployed people) participating in medical insurance and employees participating in medical insurance is that flexible employees do not have personal accounts (there is no money in medical insurance cards), and there is no difference in other aspects.
The difference between two risks and five risks lies in the items to be paid.
"Five insurances" refers to five kinds of insurance, including endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance; "One gold" refers to the housing accumulation fund.
"Two insurances" refers to individual contributions, including pension and medical insurance.
If you are a unit employee, you must pay five insurances, which is a mandatory requirement of the state, not a question of whether to pay. If you are an individual, you can only pay endowment insurance and medical insurance, because only the employees of the unit are involved in work-related injuries, unemployment, maternity insurance and personal contributions, and they are not involved and do not have to pay.