Do not let the annual 400 yuan resident medical insurance lapse; hardship households can get reductions

Individuals pay from 400 yuan a year; in 2025 finance adds no less than 700 yuan per person. Extremely poor persons get full funding; dibao recipients get a fixed subsidy. Lapsing has a cost: if you did not enroll in the concentrated window, or did not keep continuous payments, after you pay there are 3 months when medical care is not reimbursed, and each extra year interrupted adds another 1 month in principle.

Cost

The individual share is no less than 400 yuan per person per year. That is the national standard for 2024 and 2025; localities may set it higher. Pay during the fixed annual concentrated enrollment window. Extremely poor persons receive full funding — the government pays the whole amount. Dibao recipients receive a fixed subsidy — the government pays a set part.

Benefit

Besides the individual share, finance adds a further amount per person. In 2024 it was no less than 670 yuan. In 2025 it rose 30 yuan from the prior year to no less than 700 yuan; the individual contribution remains no less than 400 yuan (医保发〔2025〕22 号, as restated in provincial documents). The 2026 Government Work Report said it would rise another 24 yuan. For dibao recipients and extremely poor persons, qualifying medical costs still left after medical insurance reimbursement can be reimbursed again through medical assistance at a rate of no less than 70%. The cost of a lapse is a waiting period. If you did not enroll in the concentrated window, or did not keep continuous payments, after you pay there is a fixed 3-month benefit waiting period when medical care is not reimbursed. Each extra year interrupted adds another 1 month in principle (from 2025, nationwide)

Notes

The 2025 National Healthcare Security Administration notice (医保发〔2025〕22 号) is not posted publicly on the administration site or the Chinese government site. The figures 700 yuan and 400 yuan match documents from Hebei and Anhui; the Anhui document states it follows that notice. While you receive unemployment benefits, employee medical insurance is paid for you by unemployment insurance, so you need not enroll twice.

Sources · 6

1. 国家医保局 (2024). 《关于做好 2024 年城乡居民基本医疗保障有关工作的通知》政策解读（医保发〔2024〕19 号）. nhsa.gov.cn/art/2024/8/26/art_105_13634.html
2. 河北省医疗保障局等 (2025). 关于做好 2025 年城乡居民基本医疗保障有关工作的通知（冀医保发〔2025〕6 号，地方文件）. renqiu.gov.cn/renqiu/ybjbmwj/202510/6d9075463…
3. 安徽省医疗保障局等 (2025). 关于做好 2025 年城乡居民基本医疗保障有关工作的通知（淮北市医保局转载）：「按照国家医保局、财政部、国家税务总局《关于做好2025年城乡居民基本医疗保障有关工作的通知》（医保发〔2025〕22号）要求」「居民医保人均财政补助标准较上年提高30元，达到每人每年不低于700元」. ybj.huaibei.gov.cn/zcwj/zcwj/58004084.html
4. 国务院办公厅 (2021). 关于健全重特大疾病医疗保险和救助制度的意见（国办发〔2021〕42 号）. gov.cn/gongbao/content/2021/content_5659514.htm
5. 国务院办公厅 (2024). 关于健全基本医疗保险参保长效机制的指导意见（国办发〔2024〕38 号）. gov.cn/zhengce/content/202408/content_6965741…
6. 国家医保局 (2026). 2026 年政府工作报告提到这些医保工作. nhsa.gov.cn/art/2026/3/5/art_14_19809.html