2025年我国职工医保个人账户共济4.64亿人次，共济金额687.7亿元

Core Insights - The article discusses the implementation of the employee medical insurance personal account pooling system in China, highlighting the significant usage statistics for the year 2025 [1] Group 1: Personal Account Pooling via Immediate Access - In 2025, there were 464 million instances of personal account pooling through immediate access to the accounts of bound individuals, amounting to 68.72 billion yuan [2] - Within the same planning area, 421 million instances occurred, totaling 60.08 billion yuan, while inter-area pooling accounted for 4.173 million instances and 7.938 billion yuan [2] - The funds were primarily used for medical expenses at designated healthcare institutions (48.838 billion yuan), retail pharmacy expenses (3.432 billion yuan), and contributions to basic medical insurance (14.227 billion yuan) [2] Group 2: Personal Account Pooling via Medical Insurance Wallet - In 2025, there were 1.121 million transactions through the medical insurance wallet, with a total pooling amount of 0.75 billion yuan [3] - Of these transactions, 648,800 were within the province, amounting to 0.436 billion yuan, while 472,200 were cross-province transactions totaling 0.314 billion yuan [3]