New Rural Cooperative started the year 2002 the amount of contributions for 10 yuan, 2021 the amount of contributions has risen to 280 yuan, an increase of up to 2,700%, the rate of this increase is really very alarming, the pressure of contributions from the original "light", "light", "heavy" .
Rural farmers, for the new rural cooperative contributions to the amount of high-speed continuous growth, seem very helpless.
Although helpless, but the farmers still do not think too much, or to do their best to pay in time, do not always consume, or the centralized payment period will be over, perhaps for the 2021 reimbursement will have some kind of impact.
What is the level of growth in the amount of NPS contributions, that is, its speed is very fast.
In 2001, the average monthly social wage in Beijing was 1,507 yuan, and in 2019 it was 9,910 yuan, an increase of 558%.
2700% versus 558%, that's not in the same order of magnitude at all. This comparison is not scientific, not accurate, not valid, but also has a certain reference value, it is reflected from a side New Agricultural Cooperative contribution amount of growth rate is indeed in the highway exercise, is to want to "brake", I'm afraid that can not be "braked!
Although the new rural farmers and urban residents of the medical insurance has been integrated into the urban and rural residents of the medical insurance, but in essence there is no big change, and urban and rural residents of the medical insurance of the main object and mainly rural farmers, accounting for up to 90% of the total, so the amount of contributions to the wind blowing grass, for the life of the people not yet well-off or even still relatively difficult to The first time I've seen this, I've had a chance to see it in action.
The increase in the amount of contributions to the New Farmers' Cooperative was accompanied by a simultaneous increase in state subsidies, which is true, and the magnitude is not small, but the farmers as the object of the contributions do not seem to feel anything about the subsidies, and even think that there is no change compared to a few years ago.
Despite our interpretation, the farmers' perception of the subsidy seems to be at a very low level, because they are more interested in the actual results that happen to them.
However, it seems that the actual results are not satisfactory, and that they even pick out problems, and those problems have not changed over the years. In other words, they are not satisfied with this .
This is not a high level of satisfaction, and it's even very low; however, the amount of money that is being paid is growing rapidly, and it's getting to the point where it's not affordable, and that satisfaction is definitely going to go down.
There is a rapid increase in the amount of contributions to the New Farmers' Cooperative, thinking of the very slow increase in the minimum standard of the basic pension of the New Farmers' Cooperative (Urban and Rural Residents' Pension Insurance), which has increased only from 88 yuan in January 2018 to 93 yuan in July 2020, and the central government is not moving, and the local finance is not moving, so the amount of the increase is also conceivable.
In 2017, the minimum standard of the basic pension for Beijing residents was increased twice, each time by 50 yuan; in 2018 and 2019, the increase was 95 yuan; and in 2020, it plummeted to 20 yuan, a magnitude that has never been seen before.
That's right, it went up another $30 this year, and is expected to go up every year.
The NPS has already gone up to $280, and has been going up until when?
Hello, I'm a social security experts think of it, you said the new rural cooperative, is the old name, now has been upgraded to urban and rural residents health insurance.
This year, the urban and rural residents health insurance individual contribution standard did rise another 30 yuan, from 250 yuan to 280 yuan, while the financial subsidies also rose 30 yuan to 550 yuan.
These years urban and rural residents health insurance has been rising, is expected to the next period of time, will still maintain the rhythm of annual increases.
Why?
Because this is the need to improve health insurance treatment. Higher contributions, more money in the fund pool, the reimbursement package may rise.
Especially now that the urban and rural residents health insurance cancel personal accounts, while promoting outpatient coordination, improve outpatient reimbursement treatment, such as increased outpatient reimbursement for diabetes and hypertension patients 50% of the treatment, treatment increased, increased expenditure, these need to be real money to supplement the income, as the saying goes, the wool comes out in the sheep's body.
Well, the urban and rural residents of the health insurance individual contributions is a small head, financial subsidies is the big head, financial subsidies are also synchronized rise.
In addition, rising prices, rising health care costs, and longer life expectancy per capita, the demand for medical care and increase in the number of times, the health insurance fund expenditure will also increase, objectively also need to increase the contribution.
Of course, I hope to slow down the pace of increase, such as can be adjusted once every two or three years. After all, some farmers have a family of four or five people to pay more than 1000 yuan, which is not a small pressure.
Supported by the point of praise!
More social security issues, attention to the thought of the thought.
A family of six, each 280, the total to 1680 yuan, almost catching up with my one-month salary
Q: The New Farmers' Cooperative has risen to 280 yuan, and has been going up until when?
Now not called the new rural cooperative, changed, called the urban and rural residents health insurance, listen to the name may be the same as the city people unified health insurance, treatment is not the same as the first health insurance the same. The first thing that you need to do is to get a good deal on the price of the product, and then you have to pay for it.
If the new rural cooperative, it is possible to stay within the level of two hundred, changed to urban and rural residents health insurance, rose to two hundred and eighty, is not expected to stop, next year should also have to go up, because it is the urban and rural residents health insurance, we have to be on par with the city.
However, no matter how, also have to pay, because the payment of health insurance in order to ensure that tens of thousands of hundreds of thousands or even hundreds of thousands of big diseases will not be empty of people and money, if not, in case of that hundreds of thousands of big diseases come to the door?
Also, fifteen years have paid, and did not get sick, you empty this year, do not pay, is the same as fifteen years have given up, the big disease came to the door, or defeat, fifteen years of the white payment for nothing, how to do? Pay it, up also have to pay, can not let that fifteen years of hard work in vain, from the teeth to save out. For example, if you put half a kilogram of oil and half a kilogram of salt in the frying pan every day, you will be able to save more or less the same amount of money in 360 days.
The people are living in peace and security, and the peace and security of the health care system is a guarantee.
The new rural cooperative has been fully integrated into the urban and rural residents' pension insurance before 2019. This is actually a reflection of the country's unified health insurance treatment, unified treatment of urban and rural areas. After all, let the farmers enroll in insurance contributions can also enjoy the reimbursement rate of urban residents, which is also a form of social security expression of fairness.
According to the National Health Insurance Bureau "on doing a good job in 2020 urban and rural residents of the basic medical insurance work notice", urban and rural residents of medical insurance, the minimum standard of individual contributions from 250 yuan rose to 280 yuan. In fact, when the new rural cooperative was practiced in 2002, the initial individual contribution money was only 10 yuan. In some places, the minimum contribution standard could easily be 300 or 400 yuan, or even 700 or 800 yuan. Many people find it hard to understand how to pay such a high amount of money and not be able to afford it.
In fact, the design of urban and rural residents' medical insurance contributions to the state is really worrying. The first thing you need to do is to get your hands on a new pair of shoes and boots, and then you'll be able to get your hands on a new pair of shoes and boots. And not only that, for urban and rural low-income families, the part of the individual burden of urban and rural residents' health insurance among their family members is subsidized by the state finance, benefiting at least 40 million urban and rural residents.
The number of urban and rural residents enrolled in health insurance in 2019 is as high as 1.025 billion, but the financing standard is only 845.1 billion yuan, or only 824 yuan per capita. In the same situation, the number of people covered by urban workers' basic medical insurance is as high as 329 million, but the financing standard is as high as 1,488.3 billion yuan, and the per capita financing standard is 4,523 yuan, which is 5.4 times higher than that of the urban and rural residents' medical insurance.
Even if the city and countryside residents' health insurance financing standard is low, its health insurance treatment is not necessarily much lower than the employee health insurance. The drug catalog, diagnosis and treatment catalog, and facility catalog of medical insurance reimbursement is nationally unified, as long as the content of the medical treatment in line with the scope will be included in the medical insurance reimbursement, but only the reimbursement ratio is high or low.2019 China's national average policy scope of the employee's medical insurance, the payment ratio is 85.8%, but the resident's medical insurance is 68.8% (will also be raised to 70% in 2020), the payment ratio is only a difference of 17%, the payment ratio is only 17%. The difference in payment ratio is only 17%, while the difference in financing standard is several times. The actual payment rate for hospitalization is 75.6% for employee health insurance, and 59.7% for resident health insurance, a difference of only 15.9%.
In addition, in recent years, the state will 17 kinds of anti-cancer drugs into the scope of medical insurance reimbursement, and constantly improve the reimbursement rate of the major medical insurance, the major medical insurance starting line to half of the per capita disposable income of the residents, and the payment ratio increased to 60%. This series of high treatment, all need a very high health insurance expenditure to be borne.
In 2019, the urban and rural residents' health insurance expenditure of 812.8 billion yuan, the current balance is only 32.2 billion yuan, the cumulative balance is 506.1 billion yuan, coupled with the imbalance of income and expenditure in various parts of the world, the income and expenditure of the health insurance fund is still very tight. Especially in 2020, we encountered an unprecedented new crown epidemic. The country quickly adjusted the scope of reimbursement for the new coronavirus patients treatment implementation of health insurance reimbursement Government assistance double processing standards, compared to this year's health insurance spending will also increase significantly.
Next, the state promoted long-term care insurance is also in the pilot, urban and rural residents health insurance will certainly be included in the scope of care.
So, although the contribution of urban and rural residents' health insurance is rising, but also mainly in terms of the rise of health insurance treatment, our health insurance fund does not have much balance. The country is also strengthening the inspection and administrative enforcement of the health insurance industry, effectively avoiding fraudulent insurance behavior, but also please rest assured. I believe that in the future, our health insurance treatment will be better and better, with the continuous improvement of our residents' income, the burden of everyone is getting lighter and lighter.
The new agricultural insurance has been increased to 280 yuan, has been to rise until when?The increase in the new agricultural costs, but also based on the development of rural cooperative medical care and gradually raised.
Because of this, the majority of farmers must understand the role of the new rural cooperative, understand the basis for increasing the amount of contributions to the new rural cooperative, this is by no means do not care about the farmers, but in order to better do a good job of rural cooperative medical care, better protection of the interests of the majority of farmers, so that the majority of farmers are able to enjoy the same as the city residents, enjoy the public medical care, enjoy the medical insurance, enjoy equal resources. Especially in the case of serious illnesses, if there is no New Rural Cooperative Medical Scheme, there will be the phenomenon of poverty due to illness and return to the basin due to illness. Therefore, must understand and support, *** with the new rural cooperative work well.
It should be said that the cost of participation in the new rural cooperative will continue to rise.
The reasons for the rise in the cost of the new rural cooperative insurance are not complicated.
First, the initial low cost of participation, which may be due to the low cost to attract more rural people to participate in the new rural cooperative is also a kind of insurance, only more people to participate in order to ensure that the funds will be used forever. The low price at the beginning could also be a costing error that underestimated the cost of medical care. And of course there is another reason for deliberately underestimating costs in order to get the program up and running as quickly as possible.
Second, rising prices, along with economic growth and central bank credit release is bound to be the result of rising prices, and the medical industry as a very high R & D cost industry (buy patent licensing costs are higher), the price of the rise faster than ordinary goods, which also makes the cost of participation in the insurance must be accompanied by an increase.
Third, the administrative costs of the new rural cooperative high, the state of the new rural cooperative financial subsidies are not all used for health insurance reimbursement, there is a part of the corresponding administrative costs, especially with the duration of the project run time, the administrative costs are also bound to rise, more and more, know that the administrative costs of the basic can only be up can not fall.
New rural cooperative and urban health insurance compared to the advantages of its own only to participate in the relatively low cost, but in the reimbursement has a great disadvantage, that is, to go to the better hospitals to see a doctor, the lower the reimbursement rate. This is a great contradiction to the basic situation of the rural "small illnesses, big illnesses, go to the big hospital".
Finally, the rising cost of the new rural cooperative insurance is bound to make part of the people who have been insured to abandon the insurance, but the new rural cooperative insurance is, after all, a heavy protection of the rural big disease, a person a year a few hundred dollars and get sick after the possible tens of thousands or even hundreds of thousands of dollars compared to the cost of the insurance is still a reasonable choice.
It is expected that next year, 2021, urban and rural residents should not increase the price of health insurance, but in 2022, as well as after the rise, but the magnitude of the increase will be a little smaller. (The health insurance paid in the current year is actually the next year, but generally expressed in terms of the year in which the payment is made)
This year's health insurance price hike is indeed a bit of a surpriseHealth insurance contributions have risen for several years in a row, and the magnitude of the increase is not small, Henan urban health insurance, for example, is 180 yuan in 2017, 220 yuan in 2018, 250 yuan in 2019 and 280 yuan in 2020, from 2017 to 2020, a three-year increase of 55.6%, while the Henan New Agricultural Cooperative three-year increase is even higher, in 2017 it is 150 yuan, and in 2020 it reached 280 yuan, an increase of 86.7%. The first few years of health insurance contributions rose the people can also receive members, this year by last year's 250 yuan rose to 280 yuan is indeed a bit of a surprise, because this year the new crown epidemic caused by the economic situation is not good, the residents' income is not stable. According to most people's original prediction, this year's health insurance will not increase prices, the results rose 30 dollars more than last year, the annual rate of increase of up to 12%, really let a lot of people shocked.
The reasons for this year's health insurance price increases
In the economic situation is not good, the residents of the income instability in the case of health insurance still rose 30 yuan, analyze the reasons are as follows:
First, the new crown epidemic led to a substantial increase in health insurance spending compared to previous years;
The second is the increase in the average expenditure of the disease health insurance, mainly due to the price of medicines, medical services and other prices, in particular, the price of pharmaceuticals;
The third is the over-expenditure of health insurance. p>
Third, the excessive medical situation continues to deteriorate, the so-called excessive medical care, refers to medical institutions or medical personnel in violation of clinical medical norms and ethical guidelines, can not really improve the value of diagnosis and treatment of patients, but only in vain to increase the cost of medical resources of diagnosis and treatment behavior. Mainly includes excessive examination, excessive use of medication, but also should not take medicine to let the medicine, should not be hospitalized to let the hospitalization, should be hospitalized for 5 days to let the 10 days and so on. Excessive medical care not only increases the burden on patients, but more importantly, increases the burden on health insurance, so that the health insurance expenditure has increased significantly;
Fourthly, aging continues to deepen, the elderly are more likely to be sick, thus increasing health insurance expenditure;
Fifthly, the health insurance account investment returns have declined compared to previous years.
Why did you say that the year 2021 health insurance will not rise
First, this year's price hike of 30 yuan old people's opinions are very large, not only because of the price increases in recent years, up to the magnitude is also very large, but also this year's epidemic under the decline in many people's incomes, health care premiums increased so that many people feel an increased burden, part of this year's health care price hike is very incomprehensible, and even have a sense of resistance. For this reason, next year, in order to appease the dissatisfaction of some of the people, I believe that many places should not be able to increase the price of health insurance;
Secondly, the centralized purchasing of medicines and medical devices by the Health Insurance Bureau has led to a significant drop in the expenditure on medicines and medical devices, for example, cardiac stents have been reduced from several tens of thousands of dollars to several hundred or even tens of thousands of dollars, which will inevitably lead to a decline in health insurance expenditure and reduce the pressure on the health insurance account;
Thirdly, as the post epidemic era of China's economic recovery and growth, health insurance account earnings will certainly increase.
SummaryConsidering inflation, continued aging, and the pursuit of high-quality healthcare by the general public, healthcare insurance contributions will still increase in 2022 and beyond, but the increase will not be as rapid as it has been in recent years.
What do you think of this year's $30 increase in health insurance? Do you think it will go up again next year?
After seeing a doctor to reimbursement, always suspected of reporting the proportion of less; to pay the relevant insurance always want to pay less and less to pay, the mood is understandable, who want to pay less or do not pay the medical insurance can also be a doctor to see a doctor. The current situation does not allow this, then follow the state regulations!
Enterprise workers monthly health insurance costs more than the farmers' health insurance contributions, many of them deducted a month more than the farmers a year, if so think about the problem, employees health insurance is not more feel the loss?
The New Farmers' Cooperative has been merged with the Urban Resident's Health Insurance and is collectively known as the Urban and Rural Resident's Health Insurance.
Every year at this time urban and rural health insurance has become a hot topic of discussion after dinner, because the annual residents of the health insurance premiums have begun.
This is the first time I've ever seen the world's most popular brand, and I'm sure you'll be able to find it in a lot of different places, but I'm sure you'll be able to find it in a lot of different places, but I'm sure you'll be able to find it in a lot of different places, and I'll be able to find it in a lot of different places. Many people are asking: urban and rural residents medical insurance in the end up to when is the end?
I think the amount of urban and rural residents' health insurance contributions will continue to rise in recent years.
Urban and rural residents health insurance is implemented in the form of individual contributions and government subsidies in the form of combination, we pay 2021 health insurance costs for 280 yuan government subsidies in the amount of not less than 550 yuan per person, the equivalent of each of us to pay at least 830 yuan of health insurance costs. So it seems we only pay 1/3 of the cost of health insurance.
Medical insurance is a pay-as-you-go system, where what is collected is used by the people. Let's think about it another way, the increase in contribution rates will directly increase the amount of money in the medical fund, which will be used to reimburse the residents for their medical expenses, and consequently increase the reimbursement rate of the residents' medical insurance.
From Shijiazhuang City, Hebei Province, the latest announcement of the health insurance reimbursement rate in December to see, urban and rural residents of the health insurance reimbursement rate is constantly on the increase, specific as follows:
Participants in the jurisdiction of the county medical institutions hospitalized, the starting point of the medical fee and the proportion of payment:
The first level and the next level of the medical fee and the proportion of the payment of the medical fee:
The starting line for each hospitalization in first-level and lower medical institutions is 100 yuan, and the payment ratio is 92%;
The starting line for each hospitalization in second-level medical institutions in the county is 400 yuan, and the payment ratio is 80%.
Participants seeking medical treatment in urban areas:
First-level medical institutions, the starting line is 200 yuan per visit, and the payment ratio is 90%;
Second-level medical institutions, the starting line is 800 yuan per visit, and the payment ratio is 75%;
Municipal tertiary health care institutions, the starting line is 1,000 yuan per visit, and the payment
Provincial tertiary medical institutions each time the starting line for 1500 yuan, the payment rate of 60%
Not only that, but also urban and rural residents health insurance increased the special medical insurance for major illnesses, the residents of the medical insurance medical insurance reimbursement rate of major illnesses to take the stepped reimbursement policy, the more you spend, the higher the reimbursement rate is also higher. This is a great way to solve the problem of residents not being able to afford to go to the hospital.
Medical insurance seems to be the amount of money paid year after year in the growth, in fact, the reimbursement ratio is higher and higher. The medical insurance fund account has no money, the government take what to the residents for reimbursement, this cost is taken from the people used in the people. However, I hope that we do not use this money, after all, there is a healthy body than what is important.
There are also farmers because it is not easy to earn money, in the face of rising health care costs year after year will be born out of the idea. I have a few words of advice for those who want to cancel their health insurance. First of all, no one can predict when he or she will get sick. The urban and rural residents' health insurance is the most basic medical insurance, and you should choose to pay it. Secondly, although the cost of residential health insurance has risen year after year, but in fact, they are within the acceptable range, do not give up this few small money, and finally lose a lot of money because of small.
Finally, I would like to say a few words for the farmers, I hope that the cost of residential health insurance will not be increased significantly, and that this charge will not be turned into a burden for the farmers. It is also hoped that the reimbursement rate will be further increased while the cost of enrollment is rising.