年底“医保个人账户清零”？一文揭秘医保统筹账户真相！
<section><p>网络上，总会有一些关于“医保个人账户年底清零”的传言。这些传言不仅让不少朋友心生疑虑，就怕个人账户里的钱会被清零。那么，这种说法究竟是不是事实呢？</p></section><p><section style="display: flex;flex-flow: row;text-align: center;justify-content: center;margin: 15px 0% 10px;"><section style="display: inline-block;vertical-align: top;width: auto;align-self: stretch;flex: 0 0 0%;height: auto;border-width: 0px;"><section style="transform: perspective(0px);transform-style: flat;"><section style="display: flex;flex-flow: row;justify-content: center;margin-right: 0%;margin-left: 0%;transform: rotateX(180deg);"><section style="display: inline-block;vertical-align: bottom;width: auto;align-self: flex-end;flex: 0 0 0%;line-height: 0;letter-spacing: 0px;height: auto;"><section style="margin: 11px 0% -5px;transform: translate3d(1px, 0px, 0px);"><section style="display: inline-block;width: 6px;height: 6px;vertical-align: top;overflow: hidden;border-style: solid;border-width: 1px;border-radius: 50px 0px 50px 50px;border-color: rgb(109, 178, 224);"><svg viewbox="0 0 1 1" style="float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section></section><section style="display: inline-block;vertical-align: top;width: 22px;flex: 0 0 auto;align-self: stretch;height: auto;border-style: none none solid solid;border-width: 1px;border-color: rgb(62, 62, 62) rgb(62, 62, 62) rgb(109, 178, 224) rgb(109, 178, 224);"><svg viewbox="0 0 1 1" style="float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section></section></section><section style="display: inline-block;vertical-align: top;width: auto;flex: 0 0 auto;align-self: stretch;min-width: 10%;height: auto;border-style: none;border-width: 0px;border-left-color: rgb(109, 178, 224);margin-right: -20px;margin-left: -20px;z-index: 1;padding-top: 5px;padding-right: 2px;padding-left: 2px;"><section style="margin-right: 0%;margin-left: 0%;justify-content: center;display: flex;flex-flow: row;"><section style="display: inline-block;width: 100%;vertical-align: top;background-color: rgba(73, 164, 224, 0.07);align-self: flex-start;flex: 0 0 auto;"><section style="color: rgb(109, 178, 224);line-height: 1.5;letter-spacing: 1px;padding-right: 13px;padding-left: 13px;"><p><strong>一、年底“医保个人账户清零”？</strong></p></section></section></section></section><section style="display: inline-block;vertical-align: top;width: auto;align-self: stretch;flex: 0 0 0%;height: auto;"><section style="transform: perspective(0px);transform-style: flat;"><section style="display: flex;flex-flow: row;justify-content: center;margin-right: 0%;margin-left: 0%;transform: rotateX(180deg) rotateY(180deg);"><section style="display: inline-block;vertical-align: bottom;width: auto;align-self: flex-end;flex: 0 0 0%;line-height: 0;letter-spacing: 0px;height: auto;"><section style="margin: 11px 0% -5px;transform: translate3d(1px, 0px, 0px);"><section style="display: inline-block;width: 6px;height: 6px;vertical-align: top;overflow: hidden;border-style: solid;border-width: 1px;border-radius: 50px 0px 50px 50px;border-color: rgb(109, 178, 224);"><svg viewbox="0 0 1 1" style="float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section></section><section style="display: inline-block;vertical-align: top;width: 22px;flex: 0 0 auto;align-self: stretch;height: auto;border-style: none none solid solid;border-width: 1px;border-color: rgb(62, 62, 62) rgb(62, 62, 62) rgb(109, 178, 224) rgb(109, 178, 224);"><svg viewbox="0 0 1 1" style="float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section></section></section></section><section><p>先打个“定心丸”：那些所谓的“年底清零”纯属无稽之谈！<br/></p><p>无论你是职工基本医疗保险还是城乡居民基本医疗保险，医保卡个人账户的余额都不会在年末被强制清零。</p><p>根据我国现行政策，参保成员都有一个个人账户，这个账户包括当年度个人账户和往年累计结余账户两部分。</p><p>在每年的财政年度末，当年账户中的剩余资金会自动转入往年累计结余账户，并且这些资金的本金和利息始终属于个人。</p><p style="text-align: center;"></p><p>这意味着，<span style="color: rgb(61, 170, 214);"><strong>不管你是今年刚参保，还是已经退休多年的老职工，你的余额都会被妥善保管，不会被清零。</strong></span></p><p>至于城乡居民基本医疗保险，它根本就没有设立个人账户这一说法。因此，自然也不存在余额清零的问题。</p><p>对于参加这项保险的公民，他们只需要每年支付一定比例的金额，就可以在一个自然年度内享受规定范围内的基本医疗保障。</p></section><section style="display: flex;flex-flow: row;text-align: center;justify-content: center;margin: 15px 0% 10px;"><section style="display: inline-block;vertical-align: top;width: auto;align-self: stretch;flex: 0 0 0%;height: auto;border-width: 0px;"><section style="transform: perspective(0px);transform-style: flat;"><section style="display: flex;flex-flow: row;justify-content: center;margin-right: 0%;margin-left: 0%;transform: rotateX(180deg);"><section style="display: inline-block;vertical-align: bottom;width: auto;align-self: flex-end;flex: 0 0 0%;line-height: 0;letter-spacing: 0px;height: auto;"><section style="margin: 11px 0% -5px;transform: translate3d(1px, 0px, 0px);"><section style="display: inline-block;width: 6px;height: 6px;vertical-align: top;overflow: hidden;border-style: solid;border-width: 1px;border-radius: 50px 0px 50px 50px;border-color: rgb(109, 178, 224);"><svg viewbox="0 0 1 1" style="float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section></section><section style="display: inline-block;vertical-align: top;width: 22px;flex: 0 0 auto;align-self: stretch;height: auto;border-style: none none solid solid;border-width: 1px;border-color: rgb(62, 62, 62) rgb(62, 62, 62) rgb(109, 178, 224) rgb(109, 178, 224);"><svg viewbox="0 0 1 1" style="float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section></section></section><section style="display: inline-block;vertical-align: top;width: auto;flex: 0 0 auto;align-self: stretch;min-width: 10%;height: auto;border-style: none;border-width: 0px;border-left-color: rgb(109, 178, 224);margin-right: -20px;margin-left: -20px;z-index: 1;padding-top: 5px;padding-right: 2px;padding-left: 2px;"><section style="margin-right: 0%;margin-left: 0%;justify-content: center;display: flex;flex-flow: row;"><section style="display: inline-block;width: 100%;vertical-align: top;background-color: rgba(73, 164, 224, 0.07);align-self: flex-start;flex: 0 0 auto;"><section style="color: rgb(109, 178, 224);line-height: 1.5;letter-spacing: 1px;padding-right: 13px;padding-left: 13px;"><p><strong>二、医保报销额度有差异</strong><br/></p><p><strong>各省市并不统一</strong></p></section></section></section></section><section style="display: inline-block;vertical-align: top;width: auto;align-self: stretch;flex: 0 0 0%;height: auto;"><section style="transform: perspective(0px);transform-style: flat;"><section style="display: flex;flex-flow: row;justify-content: center;margin-right: 0%;margin-left: 0%;transform: rotateX(180deg) rotateY(180deg);"><section style="display: inline-block;vertical-align: bottom;width: auto;align-self: flex-end;flex: 0 0 0%;line-height: 0;letter-spacing: 0px;height: auto;"><section style="margin: 11px 0% -5px;transform: translate3d(1px, 0px, 0px);"><section style="display: inline-block;width: 6px;height: 6px;vertical-align: top;overflow: hidden;border-style: solid;border-width: 1px;border-radius: 50px 0px 50px 50px;border-color: rgb(109, 178, 224);"><svg viewbox="0 0 1 1" style="float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section></section><section style="display: inline-block;vertical-align: top;width: 22px;flex: 0 0 auto;align-self: stretch;height: auto;border-style: none none solid solid;border-width: 1px;border-color: rgb(62, 62, 62) rgb(62, 62, 62) rgb(109, 178, 224) rgb(109, 178, 224);"><svg viewbox="0 0 1 1" style="float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section></section></section></section><section><p>再来理清另一个容易引起误解的“医保统筹额度”这一概念。<strong><span style="color: rgb(61, 170, 214);">医保统筹额度并不是指个人账户余额，而是指一个自然年度内医保基金可以支付的医疗费用上限，即参保人在一个年度里的报销上限。</span></strong><br/></p><p>打个比方，假如某人某地在2024年度的门诊统筹年度最高支付限额上限为3500元，这个钱不管你用不用完，到了2025年后，都会根据2025年新的统计数据进行更新。</p><p>医保年度支付限额并不是全国统一，而是根据各地年度经济、人口、发展水平等决定的。<span style="font-size: var(--articleFontsize);letter-spacing: 0.034em;"></span></p></section><section style="display: flex;flex-flow: row;text-align: center;justify-content: center;margin: 15px 0% 10px;"><section style="display: inline-block;vertical-align: top;width: auto;align-self: stretch;flex: 0 0 0%;height: auto;border-width: 0px;"><section style="transform: perspective(0px);transform-style: flat;"><section style="display: flex;flex-flow: row;justify-content: center;margin-right: 0%;margin-left: 0%;transform: rotateX(180deg);"><section style="display: inline-block;vertical-align: bottom;width: auto;align-self: flex-end;flex: 0 0 0%;line-height: 0;letter-spacing: 0px;height: auto;"><section style="margin: 11px 0% -5px;transform: translate3d(1px, 0px, 0px);"><section style="display: inline-block;width: 6px;height: 6px;vertical-align: top;overflow: hidden;border-style: solid;border-width: 1px;border-radius: 50px 0px 50px 50px;border-color: rgb(109, 178, 224);"><svg viewbox="0 0 1 1" style="float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section></section><section style="display: inline-block;vertical-align: top;width: 22px;flex: 0 0 auto;align-self: stretch;height: auto;border-style: none none solid solid;border-width: 1px;border-color: rgb(62, 62, 62) rgb(62, 62, 62) rgb(109, 178, 224) rgb(109, 178, 224);"><svg viewbox="0 0 1 1" style="float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section></section></section><section style="display: inline-block;vertical-align: top;width: auto;flex: 0 0 auto;align-self: stretch;min-width: 10%;height: auto;border-style: none;border-width: 0px;border-left-color: rgb(109, 178, 224);margin-right: -20px;margin-left: -20px;z-index: 1;padding-top: 5px;padding-right: 2px;padding-left: 2px;"><section style="margin-right: 0%;margin-left: 0%;justify-content: center;display: flex;flex-flow: row;"><section style="display: inline-block;width: 100%;vertical-align: top;background-color: rgba(73, 164, 224, 0.07);align-self: flex-start;flex: 0 0 auto;"><section style="color: rgb(109, 178, 224);line-height: 1.5;letter-spacing: 1px;padding-right: 13px;padding-left: 13px;"><p><strong>三、医保卡里的钱是怎么来的？</strong></p></section></section></section></section><section style="display: inline-block;vertical-align: top;width: auto;align-self: stretch;flex: 0 0 0%;height: auto;"><section style="transform: perspective(0px);transform-style: flat;"><section style="display: flex;flex-flow: row;justify-content: center;margin-right: 0%;margin-left: 0%;transform: rotateX(180deg) rotateY(180deg);"><section style="display: inline-block;vertical-align: bottom;width: auto;align-self: flex-end;flex: 0 0 0%;line-height: 0;letter-spacing: 0px;height: auto;"><section style="margin: 11px 0% -5px;transform: translate3d(1px, 0px, 0px);"><section style="display: inline-block;width: 6px;height: 6px;vertical-align: top;overflow: hidden;border-style: solid;border-width: 1px;border-radius: 50px 0px 50px 50px;border-color: rgb(109, 178, 224);"><svg viewbox="0 0 1 1" style="float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section></section><section style="display: inline-block;vertical-align: top;width: 22px;flex: 0 0 auto;align-self: stretch;height: auto;border-style: none none solid solid;border-width: 1px;border-color: rgb(62, 62, 62) rgb(62, 62, 62) rgb(109, 178, 224) rgb(109, 178, 224);"><svg viewbox="0 0 1 1" style="float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section></section></section></section><section><p>简单来说，医保卡里的资金来源分为两部分：个人缴纳和单位缴纳。<br/></p><p>具体来说，分配的比例依据单位的具体规章会有变化，通常个人需缴纳工资的2%，单位则是8%。这部分缴费依据国家规定存入你的医保个人账户，供医疗花费使用。</p><p>根据目前的政策规定，医保卡里的钱是无法像银行卡那样直接提取出来的，因为它的主要用途是支付医疗费用，而不是作为一种简单的储蓄工具。</p><p>不过，有一些特殊情况允许提取医保卡内的资金，例如参保人员退休后移居海外等。</p><p style="-webkit-tap-highlight-color: transparent;margin-bottom: 8px;outline: 0px;letter-spacing: 0.544px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;background-color: rgb(255, 255, 255);text-align: center;visibility: visible;"></p><section data-role="outer" label="Powered by 135editor.com" style="-webkit-tap-highlight-color: transparent;margin-bottom: 0px;outline: currentcolor none 0px;letter-spacing: 0.544px;color: rgb(34, 34, 34);font-size: 15px;background-color: rgb(255, 255, 255);caret-color: rgba(0, 0, 0, 0);font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;visibility: visible;"><section data-role="paragraph" style="-webkit-tap-highlight-color: transparent;outline: 0px;visibility: visible;"><p style="-webkit-tap-highlight-color: transparent;outline: 0px;letter-spacing: 0.544px;font-size: 16px;color: rgb(0, 0, 0);text-align: left;visibility: visible;"><span style="-webkit-tap-highlight-color: transparent;outline: 0px;color: rgb(109, 178, 224);letter-spacing: 0.544px;visibility: visible;"></span></p><p style="-webkit-tap-highlight-color: transparent;outline: 0px;letter-spacing: 0.544px;font-size: 16px;color: rgb(0, 0, 0);text-align: left;visibility: visible;"><br/></p></section></section></section></p><p style="display: none;"><mp-style-type data-value="10000"></mp-style-type></p><p style="color:#999;font-size:.8em;margin-top:1em">转载声明：本文转载自徐州医保</p><p><br/></p><link rel="stylesheet" href="//bbs.221700.com/source/plugin/wcn_editor/public/wcn_editor_fit.css?v134_lt9" id="wcn_editor_css"/> 不传谣不信谣 要相信官方
页:
[1]