提高灵活就业者的社保覆盖率｜请回答，2026

Core Viewpoint - The article discusses the dilemma faced by flexible employment individuals regarding whether to contribute to employee social insurance, weighing short-term income against long-term retirement benefits [2][3]. Group 1: Social Insurance Coverage - By the end of 2024, China's basic pension insurance will cover 1.012 billion people, with 535 million participating in urban employee pension insurance and 538 million in rural resident pension insurance [2]. - Urban employee pension insurance offers significantly higher retirement benefits compared to rural resident insurance, with an average pension difference exceeding 10 times [2]. Group 2: Challenges and Trends - The compliance rate for employee pension insurance in China has decreased from 85.2% in 2011 to 80.8% in 2022, indicating a rise in the proportion of individuals who have interrupted their contributions [3]. - To encourage more flexible workers to participate in employee social insurance, targeted incentive measures are expected to be introduced in 2026 [3]. Group 3: Policy Initiatives - The Central Economic Work Conference has proposed plans to support income growth for flexible employment individuals and promote a win-win development model for platform companies and their workers [3]. - In 2025, several regions, including Beijing, Hunan, Shanghai, and Guangxi, will raise minimum wage standards to enhance short-term income stability for flexible workers [3]. Group 4: Systemic Improvements - The Ministry of Finance plans to improve the fiscal transfer payment distribution mechanism by 2026, addressing issues related to social insurance and education for the children of migrant workers [4]. - While employee social insurance is a key policy for long-term security, the burdens on companies and the willingness of workers remain critical factors in achieving universal social insurance [4].