国家医保局等七部门近日发布专项行动通知，推出一系列惠及灵活就业人员的职工医保新政策1。其中最重要的调整是医保缴费年限的计算方式改革——缴费年限将按月累计，每满12个月计为1年1。同时，灵活就业人员可按月、按季或按全年灵活选择缴费方式1。
新政还鼓励平台企业采取"个人缴费+平台补贴"模式参与社会保险缴纳，支持按单位职工模式为从业人员缴纳社会保险1。此外，国家医保部门推进个人账户跨省共济功能，目前已有337个统筹地区开通了该功能1，并鼓励地方将灵活就业人员等纳入生育保险覆盖范围1。
政策效果初显。截至目前，灵活就业等其他人员参加职工医保规模已达6982.18万人，较2024年增长5.54%1。以合肥为例，该市灵活就业参保人数达到23.81万人，年增速超过23%1。
China's National Medical Insurance Administration and seven government departments have unveiled new policies aimed at expanding health insurance coverage among flexible employment workers, platform-based workers, and other non-traditional employees. 1 The reform introduces a more flexible contribution system that allows medical insurance payment periods to accumulate on a monthly basis, with every 12 months counting as one year toward the required service duration. 1 Contributing members can now choose to pay premiums monthly, quarterly, or annually according to their circumstances. 1
The new measures also encourage platform enterprises to adopt a cost-sharing model combining individual contributions with employer subsidies, or to register workers under the traditional employee insurance system. 1 Additionally, the government is promoting the expansion of maternity insurance coverage to include flexible employment workers in participating regions. 1 As of the latest data, the enrollment of flexible employment and other workers in employee health insurance has reached 69.82 million people, representing a 5.54 percent increase from 2024. 1 To facilitate access across jurisdictions, 337 municipal health insurance authorities have activated cross-regional pooling functions for personal medical accounts. 1 In Hefei, flexible employment worker enrollment has reached 238,100 participants, with an annual growth rate exceeding 23 percent. 1
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