医保卡的钱怎么算的

在当今社会，医疗保险对于我们每个人来说都至关重要，而医保卡中的钱是如何计算的，也是大家普遍关心的问题。

首先，医保卡的钱归根到底是根据交费基数来确定的。医保以基数为准，单位通常交 10%，个人交 2%，个人部分全部进卡，单位部分有 1%左右进卡。大概是你自己交的部分（如 1071*2%）加上单位交的部分（如 1071*1%）这么多进入你的医保卡，单位剩下的（如 1071*9%）则进入医保中心。同时，法律依据《中华人民共和国社会保险法全文》第二十三条规定，职工应当参加职工医保，由用人单位和职工按照国家规定共同缴纳基本医疗保险费。无雇工的个体工商户、未在用人单位参加职工基本医疗保险的非全日制从业人员以及其他灵活就业人员可以参加职工基本医疗保险，由个人按照国家规定缴纳基本医疗保险费。

其次，因为各地经济发展水平不一，单位缴纳的医疗保险比例也有所不同。全国平均单位缴纳比例为 7.5%（有些地方为 9%，甚至 10%，也有地方仍保持最低 6%），而全国员工个人缴纳的比例定为 2%。用人单位缴纳的基本医疗保险费，按年龄段划入个人医疗账户。具体来说，不满 35 岁的按用人单位缴费的 20%划入；35 岁以上不满 50 岁的，按 30%划入；50 岁以上的，按 40%划入；退休人员按本人上年度养老金或退休金总额的 8%划入个人医疗账户。

此外，对于职工医保个人账户的钱，还有更详细的计算方式。比如，对于不满 35 周岁的职工按本人月缴费工资基数的 0.8%划入个人帐户；35 周岁以上不满 45 周岁的职工按本人月缴费工资基数的 1%划入个人帐户；45 周岁以上的职工按本人月缴费工资基数的 2%划入个人帐户；不满 70 周岁的退休人员按上一年本市职工月平均工资的 4.3%划入个人帐户；70 周岁以上的退休人员按上一年本市职工月平均工资的 4.8%划入个人帐户。

需要注意的是，单位缴费进入统筹账户的医疗费用用于住院费用，而个人账户里的医疗费用用于门诊费用。

综上所述，医保卡中的钱的计算方式较为复杂，受到多种因素的影响，包括缴费基数、单位和个人缴费比例、年龄以及地区差异等。了解这些计算方式，有助于我们更好地规划和使用医保资金，保障自身的医疗权益。

How is the money in the medical insurance card calculated?

In today's society, medical insurance is of vital importance to each of us, and how the money in the medical insurance card is calculated is a common concern.

Firstly, the money in the medical insurance card is ultimately determined based on the payment base. Medical insurance is based on the base. The employer usually pays 10%, and the individual pays 2%. The entire individual portion goes into the card, and about 1% of the employer's portion goes into the card. Approximately, it is the sum of the portion you pay yourself (such as 1071*2%) and the portion the employer pays (such as 1071*1%) that goes into your medical insurance card. The remaining portion of the employer (such as 1071*9%) goes into the medical insurance center . At the same time, according to Article 23 of the "Full Text of the Social Insurance Law of the People's Republic of China", employees should participate in employee medical insurance, and the basic medical insurance premiums shall be paid jointly by employers and employees in accordance with national regulations. Self-employed individuals without employees, part-time employees who have not participated in employee basic medical insurance at the employer, and other flexible employees can participate in employee basic medical insurance and pay the premiums in accordance with national regulations .

Secondly, due to the different levels of economic development in various regions, the proportion of medical insurance paid by employers also varies. The national average employer contribution rate is 7.5% (in some places it is 9%, even 10%, and in some places it remains at the minimum of 6%), while the national individual contribution rate is set at 2%. The basic medical insurance premiums paid by employers are allocated to individual medical accounts by age group. Specifically, for those under 35 years old, 20% of the employer's contribution is allocated; for those over 35 years old but under 50 years old, 30% is allocated; for those over 50 years old, 40% is allocated; for retirees, 8% of their total pension or retirement pay from the previous year is allocated to the individual medical account .

In addition, for the money in the individual accounts of employee medical insurance, there are more detailed calculation methods. For example, for employees under 35 years old, 0.8% of their monthly wage base for premium payment is allocated to the individual account; for those over 35 years old but under 45 years old, 1% of their monthly wage base for premium payment is allocated; for those over 45 years old, 2% of their monthly wage base for premium payment is allocated; for retirees under 70 years old, 4.3% of the average monthly wage of the city's employees in the previous year is allocated to the individual account; for retirees over 70 years old, 4.8% of the average monthly wage of the city's employees in the previous year is allocated to the individual account .

It should be noted that the medical expenses paid by the employer into the pooling account are used for hospitalization expenses, while the medical expenses in the individual account are used for outpatient expenses.

In conclusion, the calculation of the money in the medical insurance card is rather complex and is influenced by multiple factors, including the payment base, the contribution rates of the employer and the individual, age, and regional differences. Understanding these calculation methods helps us better plan and use medical insurance funds and safeguard our own medical rights and interests.