城乡居民医疗保险交多少年不用交了保一年都不使用这个是不是就没必要交了？

来源：蜘蛛抓取(WebSpider) 时间：2023-11-26 09:15 标签： 城乡居民医疗保险交多少年不用交了
您好，居民医疗保险是交一年保一年的！不交暂停一年，后面如果是要缴纳职工保险，那就没啥影响。那么，居民医疗保险和职工保险有何区别？奶爸为大家分析~一、职工医保和居民医保有什么区别？医保是国家提供的一项基础医疗福利，包括城镇居民医保、城镇职工医保、新农合三类。其中职工医保和居民医保是很多小伙伴分不清的， @奶爸保课堂 来帮你们捋捋。区别一：缴费费用和频率不同1.职工医保：是按月缴费的。由个人缴费和单位缴费组成，社保费用每个地区的规定都不太一样，社保缴费基数一般以个人工资为准。2.居民医保：是按年缴费的。保费一般是按当地人均可支配收入的比例确定的，具体的缴纳费用要看当地政策。区别二：参保对象不同1.职工医保参保对象是劳动年龄内在单位就业的职员，是由其单位依法缴纳参保，是强制性的。2.居民医保参保对象一般是自由职业者、未就业人员、新农合群众，自愿参保。区别三：医疗待遇不同1.职工医保：缴费标准高，报销比例也高，一般在70%-90%。职工医保包含两个账户，分别是个人账户和统筹账户。其中的基本医疗保险报销是有门槛费的，这个额度就是由个人负担的住院医疗费用额度。按照医院等级标准划分定点医疗机构。2.居民医保：报销比例大多数是40%-80%。居民医保只有一个统筹账户，用于基层医院门诊费用报销和参保城乡居民住院。奶爸保二、职工医保和居民医保可以重复报销吗?不可以。用户无论参加的是职工医保还是居民医保或者二者都参保，其名下的所有医疗保险业务都是由医保部门统一管理的。故而，用户在报销时使用职工医保或者居民医保报销都是可以查出来的。而一旦查出用户使用医保重复报销，则存在骗保行为，是不合法的。二者之间主要有以下几点区别：【1】缴费对象不同职工医保主要面向单位的职工，如果有了正式工作，就能够在单位参加职工医保，而居民医保的参保人群是不属于城镇职工基本医疗保险覆盖范围的人员。【2】缴费主题不同职工医疗保险费由用人单位和职工共同缴纳，而居民医保是由个人缴费的。【3】缴费标准不同职工医保的缴费标准包含两部分，其中，个人缴费比例一般是2%，单位缴费比例是8%。而2023年居民医保缴费标准是每人每年350元。【4】报销比例不同在报销方面，职工医保缴费比例要高于居民医保报销比例。综上所述，在职工医保和居民医保二者之间，若参保人有足够的能力，第一选择职工医保会更好一些，可以享受的福利待遇更多。三、奶爸总结总的来说，居民医保比职工医保的保障力度要小一些。职工医保的保障会更全面一些，不像居民医保只能报销住院。但职工医保的缴费金额和免赔额比居民医保要高出不少。有任何保险疑问的朋友，可以前往【奶爸保】咨询，也可以在文章下方留言or私信奶爸。我是@奶爸保课堂，提供专业的保险咨询，为您挑选合适的保险！

展开全部居民医保断交一年再交会影响享受医疗保险的待遇。医疗保险一般指基本医疗保险，是为了补偿劳动者因疾病风险造成的经济损失而建立的一项社会保险制度。通过用人单位与个人缴费，建立医疗保险基金，参保人员患病就诊发生医疗费用后，由医疗保险机构对其给予一定的经济补偿。基本医疗保险制度的建立和实施集聚了单位和社会成员的经济力量，再加上政府的资助，可以使患病的社会成员从社会获得必要的物资帮助，减轻医疗费用负担，防止患病的社会成员因病致贫。医疗保险同其他类型的保险一样，也是以合同的方式预先向受疾病威胁的人收取医疗保险费，建立医疗保险基金。当被保险人患病并去医疗机构就诊而发生医疗费用后，由医疗保险机构给予一定的经济补偿。因此，医疗保险也具有保险的两大职能，风险转移和补偿转移。即把个体身上的由疾病风险所致的经济损失分摊给所有受同样风险威胁的成员，用集中起来的医疗保险基金来补偿由疾病所带来的经济损失。断缴医疗保险的影响：1、断缴的那一年不能享受基本的医疗保险待遇，如果这一年生病住院是无法报销的，不能享受国家补助；2、断交一年后再交还会有一个1到3个月的观察期地区不同，观察期时间不同，报销限额和报销比例都会受到影响；3、在部分城市，对买房购车和落户计划的有一定影响。【法律依据】：《中华人民共和国社会保险法》第二条国家建立基本养老保险、基本医疗保险、工伤保险、失业保险、生育保险等社会保险制度，保障公民在年老、疾病、工伤、失业、生育等情况下依法从国家和社会获得物质帮助的权利。已赞过已踩过你对这个回答的评价是？评论
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var m = {init:function(){new n({container:"[data-nvk]",url:"https://ada.baidu.com/udpl/exp",params:{exp:"data-nvk"}});}};
exports.PARAMS={};var f=function(o){exports.PARAMS=o;var f="."+exports.PARAMS.resultClass;n$1(function(){i$1.init(f,exports.PARAMS.imTimeSign),m.init();},!0),n$1(function(){r$1.init(),e(window,document),window.domReady(function(){new window.TipOffComponent({adSelector:f});});}),exports.PARAMS.sourceAdNum&&exports.PARAMS.sourceAdNum.ads_2246>0&&t$3(exports.PARAMS.resultClass,!0);};
exports.init = f;
exports.request = e$5;
return exports;
})({});
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2023年居民医保正在缴费，2022年9月份到12月份，是2023年城乡居民医保缴费期。各地缴费标准不太一样，国家规定的最低标准是每人350元，只有按时缴费人员，才能享受2023年居民医保待遇。如果错过了缴费期限，有些地方规定可以在规定的时间进行补缴，而有些地方规定居民医保不能补缴。居民医保每年缴费一次，每年交钱不报销，不少人就问，交的钱还能退吗？很明确地说，居民医保没有退钱一说，交钱不住院不报销，交的钱也不会退给缴费人员。由于居民医保不允许有个人医保账户，居民所交的保费全部进入医保基金管理，由专业机构进行运作赚取投资收益。那些曾经为居民建立居民医保账户的地区，将会逐步对医保账户进行清理。比如河南洛阳市就规定，居民医保个人账户的钱可以继续使用，直到用完为止。居民医保每年都需要交钱，并且费用越来越高。一个三口之家，即使按照最低标准缴费，2022年也需要交1050元，如果是5口之家，就需要交1750元。实际上，不少地区的缴费标准超过了350元，超过500元的很常见，这主要与当地经济发展水平和医疗保障水平有关。一般来说，经济越发达的地区，缴费水平越高，导致居民生病住院花销也会比较大，这样医保基金就需要支付更多的费用。支出大，居民自然就需要交更多的钱来维持医保基金的收支平衡。虽然绝大部分参保人员个人没有生病，没有住院，也没有报销任何医疗费用，但并不代表个人交的钱就没有被使用。大家交的钱都在一个大基金池里，你不用，别人可能用了，相当于用大部分人交的钱为少部分住院病人买单了。实际上，大家伙交的钱根本就不够住院病人报销，居民虽然每年都在缴费，但相对于医保基金支出，缴费还是偏少的。尽管有些人觉得居民医保缴费高了，但也不够医保支出，因为现在人均寿命延长了，医保开支增加很多。居民交的钱不够报销怎么办？这就不得不提到财政补贴，医保基金池子很大一部分钱就来自财政补贴。2023年居民医保虽然从每人320元涨到了350元，但财政补贴也从580元涨到了610元，涨的钱是一样的，居民个人交的钱，只是交了个小头，各地财政承担了医保的大头。我们不能准确预计未来，居民医保虽然每年都缴费，但不能因为这个原因就停止缴费。人的生老病死谁都无法避免，买居民医保就是为不可预测的未来增添一份保障。现实生活中，没有一个人愿意生病，交的钱用不上，心里乐呵才对，而不是觉得交了钱没用上觉得自己吃亏了。明白居民医保缴费的大道理，个人宁愿每年都交钱，也不愿意哪怕是一次的生病，和健康比起来，钱根本不算什么。也许你身边曾经有过因为没有参保缴费而在医院捶胸顿足的人，但一切都晚了，所有的住院费用只能由自己买单。这就是典型的短视行为，和住院费用比起来，每年几百元的医保费用简直就不值得一提。如果认为自己及家人身体都很健康，没有必要缴纳医保费，那一定是丢了西瓜捡芝麻，得不偿失。我们每个人都希望自己健健康康的，纵然每年都缴费，也没有人真的愿意去享受因为这笔钱而带来的好处。我是“小强财艺”，如果你在社保方面有需要，请点击文章下方的卡片进行咨询。喜欢请关注作者，点赞收藏转发此文，让更多的人了解有用的社保信息。

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