多地启动新一年居民医保征缴，个人缴费维持400元不变

Core Points - The personal payment standard for urban and rural residents' basic medical insurance (residents' medical insurance) will remain unchanged at 400 yuan for the first time since the establishment of the system, with total funding rising to 1100 yuan per person due to government subsidies [1][2] - The decision to freeze the payment standard aligns with the slowing growth of wages and income, reflecting the economic purchasing power of insured individuals [1][3] - Various provinces, including Henan, Guizhou, and Hunan, have announced their payment standards, with many regions adopting the minimum standard set by the central government [1][2] Funding Structure - The funding for residents' medical insurance consists of two parts: personal payments and government subsidies, with the latter determined at the beginning of the year [2][3] - The central government has increased the average subsidy per person to no less than 700 yuan for 2025, which is a 30 yuan increase from the previous year [3] Regional Variations - Different regions may adjust their payment standards based on local economic conditions, with some areas implementing higher standards than the minimum [7] - For example, Suzhou has raised its subsidy by 90 yuan per person, while other cities like Zhanjiang and Zhongshan have maintained their payment standards at 400 yuan and 809.76 yuan, respectively [7] Payment Innovations - Some provinces are introducing new payment channels, such as allowing employees to use their personal medical accounts to pay for family members' insurance [8] - In Hunan, newborns whose parents are insured will be exempt from the 2026 insurance fee, ensuring coverage from birth [8] Impact on Medical Institutions - The freeze on personal payments is expected to reduce the insurance fund's income by approximately 20 billion yuan, but this amount is relatively small compared to the total annual medical insurance fund expenditure of nearly 3 trillion yuan [8]