Health insurance (BHYT) is a crucial policy aimed at ensuring healthcare benefits for citizens. In 2025, BHYT contribution rates will see significant changes, divided into two phases: before July 1 and from July 1 onwards. Let’s delve into the details to understand the latest regulations.
Contribution Rates Before July 1, 2025
Before July 1, 2025, BHYT contribution rates will remain as per the current Health Insurance Law, applying to specific groups as follows:
1. Officially Employed Workers
This group includes workers in the formal labor market with employment contracts and mandatory social insurance (BHXH). The BHYT contribution rate is based on the monthly salary used as the basis for BHXH contributions.
- Contribution Rate: 4.5% of the monthly salary.
- Responsibility Split:
- Employer contributes 3%.
- Employee contributes 1.5%.
Government support policies for BHYT participation are widely implemented.
2. Voluntary Family-Based BHYT Participants
For families voluntarily participating in BHYT, the contribution rate is calculated based on the number of family members.
- First member: Contributes 4.5% of the base salary.
- Second, third, fourth members: Contribute 70%, 60%, and 50% respectively of the first member’s contribution.
- Fifth member and beyond: Contribute 40% of the first member’s contribution.
For example, households classified as near-poor receive 70% support from the government. Thus, individuals in such households only need to contribute 30% of the normal rate, equivalent to 379,080 VND/year.
The BHYT contribution rate for families is flexible based on the number of members.
3. Students and Trainees
Students and trainees contributing to BHYT pay a monthly fee of 4.5% of the base salary. Specifically:
- Government supports 30%.
- Participants contribute 70%.
Support policies for students and trainees help reduce financial burdens.
Contribution Rates From July 1, 2025
From July 1, 2025, BHYT contribution rates will be applied according to the revised Law No. 51/2024/QH15. Here are the key highlights of the new regulations:
1. Base Salary Replaced by Reference Rate
The 2024 Health Insurance Law introduces a “reference rate” to determine contribution and benefit levels, replacing the current base salary.
2. Expanded Groups of Participants
The new law broadens the scope of BHYT participants, leading to changes in contribution regulations. Specifically:
- Short-term contract workers: Can participate in BHYT with appropriate contribution rates.
- Social policy beneficiaries: Receive higher support from the government budget.
- Other special groups: Contribution rates are adjusted flexibly based on their circumstances.
A summary of the new contribution rates and responsibilities under the revised law.
Conclusion
Adjustments to BHYT contribution rates in 2025 reflect the government’s efforts to enhance healthcare service quality and ensure social equity. To fully utilize these benefits, citizens should familiarize themselves with the new regulations and actively participate in BHYT on time.
For more detailed information, readers can refer to relevant legal documents or contact local social insurance offices.
Source: dantri.com.vn
