转自：成都日报锦观 医保个人账户共济范围从省内拓展至全国 可为异地近亲属支付就医参保费用 哪些人可以成为共济对象？ 职工基本医疗保险参保人的近亲属，包括配偶、父母、子女、兄弟姐妹、祖父母、外祖父母、孙子女、 外孙子女 ●近亲属本人也应是基本医保（职工基本医保、城乡居民基本医保）的参保人员 ●共济关系可自愿建立或解除，且一人可与多人互建共济关系 共济资金可以怎么使用？ 可用于支付近亲属 ●在定点医疗机构就医发生的个人负担医疗费用 通过将个人账户资金转化为家庭共享的"健康基金"，不仅增强了医保制度的家庭互助能力，也提高了基 金使用效率。异地工作的子女可更便捷地以个人账户资金支持家人的医疗与参保支出，有助于减轻家庭 医疗费用负担，使医保制度更加公平、更可持续。 哪些人可以成为共济对象？ 通知明确，跨省共济的适用对象范围为职工基本医疗保险参保人的近亲属，包括配偶、父母、子女、兄 弟姐妹、祖父母、外祖父母、孙子女、外孙子女。 近亲属本人也应是基本医保（职工基本医保、城乡居民基本医保）的参保人员。 共济关系可通过国家医保服务平台等渠道自愿建立或解除。一名职工可以同时与多位近亲属建立共济关 系，一位近亲属也可同时被多位家庭 ...

通知明确,跨省共济的适用对象范围为职工基本医疗保险参保人的近亲属,包括配偶、父母、子女、兄弟 姐妹、祖父母、外祖父母、孙子女、外孙子女。 共济关系可由双方通过国家医保服务平台等渠道自愿建立或解除。一名职工可以同时与多位近亲属建立 共济关系,一位近亲属也可同时被多位家庭成员授权。当共济人或被共济人的医保关系发生终止、跨统 筹地区转移等变动时,共济关系自动解除。 作为被共济人,近亲属应是基本医保的参保对象,参加的可以是职工基本医保,也可以是城乡居民基本医 保。 ...

国务院新闻办公室1月9日举行发布会，水利部相关负责人介绍了加快国家水网建设进展情况。2025年我国开工27项重大水利工程，完成 9420处农村供水工程，提升1.34亿农村人口供水保障水平，全国农村自来水普及率达到96%。全年完成水利建设投资1.28万亿元，吸纳就业315 万人，有效发挥了稳增长、促就业作用。 央视网消息：国家统计局1月9日发布的数据显示，2025年12月份，扩内需促消费政策措施继续显效，全国居民消费价格指数（CPI）环比 上涨0.2%，同比上涨0.8%；受国际大宗商品价格传导拉动，以及国内重点行业产能治理相关政策持续显效等因素影响，工业生产者出厂价格 指数（PPI）环比上涨0.2%，同比下降1.9%。2025年全年，CPI与上年持平；PPI比去年下降2.6%。 水利部：去年我国完成水利建设投资1.28万亿元 前期，国家医保局指导各省开展职工医保个人账户省内共济已彰显成效，5年来累计共济超7.8亿人次，金额超1000亿元。同时，指导试点 省市探索开展跨省共济，337个统筹地区开通医保钱包并实现跨省共济。 国家医保局、财政部印发通知：医保个人账户 一人可与多人共济 国家医保局、财政部9日印发通知， ...

灵活就业和新就业形态劳动者人数仍在快速增多 我国对灵活就业和新就业形态劳动者的权益保障政策有新动向，相关办法将抓紧出台，劳动保障相关法 律法规也将适时修订。 近日，中国人大网公开了《国务院关于灵活就业和新就业形态劳动者权益保障工作情况的报告》（下称 《报告》），其中指出，灵活就业和新就业形态劳动者人数仍在快速增多，收入不稳定、劳动保障不足 的问题仍一定程度存在。未来，将从着力社保提质扩面、加快推进立法工作等多个方面，进一步保障从 业人员权益，推动灵活就业、新就业形态健康发展。 他们如何参保？ 《报告》指出，灵活就业和新就业形态已成为劳动者就业增收的重要渠道。据测算，全国灵活就业人员 规模已超过2亿人。 二是畅通参保缴费渠道。推动各地普遍放开灵活就业人员在就业地参加职工基本养老保险、职工基本医 疗保险渠道。截至2024年底，灵活就业人员参加职工基本养老保险、职工基本医疗保险的人数分别达 7057万人、6615.9万人。 三是优化灵活就业人员参保政策。结合灵活就业特点，在缴费方式上给予灵活就业人员更多倾斜，减轻 缴费负担，便利参保缴费和社保关系转移接续。研究进一步促进灵活就业人员和新就业形态劳动者参加 职工基本养 ...

（来源：智慧自贸区） 灵活就业人员应如何办理参保手续？灵活就业人员参保险种和缴纳比例是什么？灵活就业人员的社保费断缴了， 可以补缴吗？灵活就业人员在本市中断缴费会影响缴费年限吗？找到上班单位时，正在缴纳灵活就业该怎么退 出？关于灵活就业人员参保的这些问题，来看市人社局的解答↓ 灵活就业人员应如何办理参保手续？ 糖糖从事自媒体工作，没有固定工作单位，为了今后的养老生活，她打算给自己缴纳一份社保。像她这种情形可 以按灵活就业参保吗？具体该如何办理呢？ 灵活就业人员参保范围为年满16 周岁目未达到法定退休年龄,在 本市劳动就业的自雇人员、无雇 工个体工商户、未在用人单位参 加基本养老、医疗保险的非全日 制从业人员以及其他灵活就业人 员。 包括符合上述条件的本市户籍人员、外省市户籍 人员、港澳台居民、取得在华永久居留资格的外 国人,以及以集体参保的方式,在本市农民专业 合作社(联合社)和家庭农场从事农业劳动的从 业人员。 灵活就业人员 应如何办理参保手续? 灵活就业人员参保险种和缴纳比例是什么？ 小叶是一名钢琴教师，最近打算在本市以灵活就业形式参加社保。灵活就业人员参保险种有哪些？缴纳比例又是 多少呢？ 天 和缴纳比 ...

"我丈夫是义乌人，看他用医保卡在这边看病、买药都非常方便，很开心现在我也参保了。"当日，索菲 亚说。 中新社义乌12月17日电 (董易鑫 林晓燕)12月17日，来自俄罗斯的索菲亚以灵活就业的身份成功参加浙 江省义乌市职工基本医疗保险。至此，义乌成为中国首个外籍人员参保突破万人的县级市。 义乌是全球最大的小商品集散地，与全球230多个国家和地区有贸易往来。随着来义乌经商创业的外籍 人员不断增多，这个群体的医疗保障需求也在持续释放。 此外，义乌还打造了集参保登记、缴费查询、就医结算、政策咨询于一体的"全流程"服务体系。(完) 作为扩大外籍人员参保范围的全国试点，义乌今年以来不断夯实涉外医疗保障服务能力。根据试点政 策，拥有2年及以上居留许可证的外籍人士可以以灵活就业人员身份参加义乌市职工基本医疗保险，参 保费率参照当地居民缴费比例。参保后，职工医保、大病保险及生育保险均享受与中国公民同等的报销 待遇。 ...

Summary of Key Points Core Viewpoint - The Sichuan Provincial Human Resources and Social Security Department announced the social insurance contribution base for 2025, setting the upper limit at 22,938 yuan/month and the lower limit at 4,588 yuan/month for three main social insurances: basic pension insurance, unemployment insurance, and work-related injury insurance [1]. Group 1: Contribution Base and Policies - The contribution base for flexible employment personnel and those receiving unemployment insurance during the insurance period will be based on the average wage of all urban employees in the province, set at 7,646 yuan/month for medical, maternity, and long-term care insurance [1]. - The contribution base for work-related injury insurance will also use the average wage of 7,646 yuan/month for determining and adjusting benefits [1]. Group 2: Contribution Rates - For 2025, the contribution rates for basic pension insurance in Sichuan are set at 16% for employers and 8% for employees; unemployment insurance rates are 0.6% for employers and 0.4% for employees; work-related injury insurance is solely employer-funded [2]. - The work-related injury insurance rates vary based on industry risk levels, categorized from one to eight, and are subject to floating management based on the incidence of work-related injuries at each employer [2]. Group 3: Individual Contributions - Individual business owners without employees, part-time workers, and other flexible employment personnel can choose their contribution base within the announced limits, with a unified contribution rate of 20% [3].

Core Viewpoint - The article highlights the profound impact of population aging on China's medical insurance system, indicating that the number of retired insured individuals has surpassed 100 million for the first time in 2024, leading to significant challenges in funding balance, intergenerational burden adjustment, and system sustainability [1][2]. Group 1: Medical Insurance Statistics - By the end of 2024, the total number of participants in basic medical insurance reached 1.32662 billion, maintaining a coverage rate of 95% [1]. - The total revenue of basic medical insurance (including maternity insurance) was 3.491337 trillion yuan, while total expenditures were 2.976403 trillion yuan, resulting in a current balance of 463.917 billion yuan and a cumulative balance of 3.862852 trillion yuan [1]. - The number of participants in basic medical insurance has declined for three consecutive years, while the number of participants in employee medical insurance continues to grow, with retirees seeing a significant increase in participation [1][4]. Group 2: Employee Medical Insurance Insights - As of 2024, the number of participants in employee medical insurance reached 379.4834 million, an increase of 8.537 million or 2.3% from the previous year [4]. - The medical expenses for employee medical insurance participants totaled 2.058746 trillion yuan in 2024, reflecting a 3.6% increase year-on-year [5]. - The income of the employee medical insurance fund (including maternity insurance) was 2.373247 trillion yuan, a 3.5% increase from the previous year, while expenditures rose by 7.6% to 1.910254 trillion yuan [5]. Group 3: Challenges of Aging Population - The ratio of employed to retired individuals in employee medical insurance has been declining, with the ratio dropping from 3 in 2012 to an estimated 2.63 in 2024 [5]. - The increasing number of retirees, who do not contribute to the fund, places additional financial pressure on the medical insurance system, necessitating reforms to address the sustainability of the fund [6]. - The rapid growth of the elderly population is expected to continue, with an annual net increase of over 13 million individuals aged 60 and above in the next five years [11]. Group 4: Resident Medical Insurance Trends - The number of participants in resident medical insurance has been declining since 2021, with a decrease of over 7 million participants from its peak of 1.02 billion in 2019 to 950 million in 2024 [9]. - In 2024, the income of the resident medical insurance fund was 1.118091 trillion yuan, with expenditures of 1.066149 trillion yuan, resulting in a current balance of 51.942 billion yuan [10]. - Despite a slight rebound in income growth of 5.8% in 2024, the resident medical insurance remains in a "tight balance" state, indicating ongoing sustainability challenges [10]. Group 5: Long-term Care Insurance Development - The article discusses the anticipated introduction of a nationwide long-term care insurance system, with 18.78634 million participants in pilot cities and 1.4625 million receiving benefits in 2024 [13]. - The income for long-term care insurance was 24.415 billion yuan, with expenditures of 13.108 billion yuan, indicating a growing need for such services in response to the aging population [13]. - The healthcare system is expected to evolve to better accommodate the needs of elderly individuals, particularly in chronic disease management and long-term care [13].

Core Insights - The aging population and increased life expectancy are putting significant pressure on pension and medical insurance systems, necessitating reforms during the 14th Five-Year Plan period [1][8] - By 2024, the number of insured retirees in China's employee medical insurance will exceed 100 million, marking a new phase in the impact of aging on the medical insurance system [1][2] Group 1: Medical Insurance Statistics - As of the end of 2024, the total number of participants in basic medical insurance reached 1.32662 billion, maintaining a coverage rate of 95% [1] - The total revenue of basic medical insurance (including maternity insurance) for 2024 was 3.491337 trillion yuan, while total expenditures were 2.976403 trillion yuan, resulting in a current balance of 463.917 billion yuan [1] - The number of participants in employee medical insurance increased by 8.537 million to 379.4834 million, reflecting a growth rate of 2.3% [3][4] Group 2: Challenges and Trends - The growth rate of insured retirees has surpassed that of employed workers since 2021, indicating a shift in demographic dynamics [3][4] - The ratio of employed to retired participants in employee medical insurance has been declining, from 3 in 2012 to an estimated 2.63 in 2024 [3][4] - The total medical expenses for employee medical insurance participants reached 2.058746 trillion yuan in 2024, with a year-on-year increase of 3.6% [4] Group 3: Resident Medical Insurance - The number of participants in resident medical insurance has been declining for three consecutive years, dropping from a peak of 1.02 billion in 2019 to 950 million in 2024 [6][7] - In 2024, the revenue for resident medical insurance was 1.118091 trillion yuan, with expenditures of 1.066149 trillion yuan, resulting in a current balance of 51.942 billion yuan [7] Group 4: Long-term Care Insurance - A nationwide long-term care insurance system is expected to be introduced within the year, with 18.78634 million participants in pilot cities as of 2024 [10] - The long-term care insurance fund had a revenue of 24.415 billion yuan and expenditures of 13.108 billion yuan in 2024 [10] Group 5: Policy Recommendations - To address the challenges posed by an aging population, reforms in pension and medical insurance systems are essential, including the introduction of long-term care insurance [8][9] - The medical insurance system must enhance its capacity to meet the structural demands of elderly care, focusing on both the quantity and quality of medical services [9]