What will happen to the medical insurance card reset in 2022?

If you participate in urban employee medical insurance, then the balance in the personal account of the medical insurance card can be used to buy medicines at pharmacies or settle and deduct fees at outpatient clinics - first of all, in 2022, the personal accounts of many employees' medical insurance cards will indeed be deducted. Great changes have come. For example, recently, Shijiazhuang, Hebei Province clearly informed that starting from January 1, 2022, the "Implementation Rules for the Outpatient Financial Security Mechanism of Employee Basic Medical Insurance" will be officially implemented. The amount of personal medical insurance accounts will be adjusted, and the unit Part of the medical premiums paid are no longer included in personal accounts, but are all transferred to the overall fund;

Then Shandong Province's "Implementation Plan for Establishing and Improving the Outpatient Financial Security Mechanism of Basic Medical Insurance for Employees" has recently been announced , stipulates that it is necessary to reform the personal accounts of employee medical insurance and establish and improve the outpatient system of employee medical insurance. From January 2024, the basic medical insurance premiums paid by employees' units will no longer be transferred to personal accounts, but will also all be included in the overall medical insurance pool. Fund;

Qinghai Province recently announced that employees’ personal accounts have been adjusted, which can be used for outpatient medical premium reimbursement, and can also be used to pay the personal out-of-pocket medical expenses incurred by immediate family members for outpatient hospitalization... etc.

So it can be seen that employee medical insurance in many places has indeed undergone many changes. The money injected into employees’ personal medical insurance cards will be reduced in many places by 2022 - then some people may say, So you won’t suffer a big loss? In fact, this is not the case, because all the money paid by the unit goes into the overall fund, which can be used to increase outpatient and hospitalization reimbursement, prevent this part of the funds from lying dormant in the personal accounts of many young people's medical insurance cards, and strengthen the national medical insurance overall fund. strength!

2) The way the money in personal medical insurance accounts is used has changed, but it will not be completely cleared

The money in personal medical insurance accounts for employees will be equivalent to many people’s money in 2022 The amount received will shrink. Maybe a few people misunderstood it and interpreted it as a complete cancellation. In fact, personal accounts will not be completely canceled in 2022, and many local medical insurance cards can realize family financial support, such as mentioned above. Qinghai Province and Shandong Province have realized this, and it is expected that many provinces will gradually realize it. If one person participates in the insurance, the whole family will benefit.

3) What is the use of the balance in the personal account of the employee’s medical insurance card? If not used, will it be cleared regularly?

In 2022, although the money transferred to personal accounts in many places will be slightly reduced, the money from personal contributions will still be injected into it, and employees can use it These balances are very useful for buying medicine or outpatient visits, etc. - even if you do not consume the remaining part, the funds will not be cleared regularly, but will be saved automatically, and interest will be calculated and entered into the personal account, and the retirees' The personal account rebates for medical insurance cards, in many areas where "proportional rebates" are provided, will also increase every year with the increase in pensions, and the difference will be repaid every year. The rebate ratio is generally about 2%...

Then, even if the holder of the medical insurance card unfortunately dies, the remaining money in the personal account of the medical insurance card can be inherited and received by the spouse, children, etc., so even if the medical insurance reform is carried out in 2022, the money in the personal account will not be fully You don’t have to worry too much about canceling or clearing.

4) Reminder: Urban and rural residents’ medical insurance is different. Personal accounts in many areas have been canceled in 2022

Urban and rural residents’ medical insurance and employee medical insurance are two different systems. Resident medical insurance has canceled individual accounts, and all payment money has gone into the pooled account - on the surface it may seem like you will suffer a loss, but in fact you will not! Because this greatly increases the reimbursement of outpatient and inpatient medical care for urban and rural residents, the ultimate beneficiaries are all insured farmers and urban and rural residents.