In Ningbo, Zhejiang, the main differences between a social security base of 11,900 yuan and 5,000 yuan are as follows:

1. Payment amount:

• Employee contribution: The higher the social security base, the more employees need to contribute. For example, for basic pension insurance, with a unit contribution rate of 14% and an individual contribution rate of 8%, if the base is 11,900 yuan, the individual monthly contribution is ​
  ×8%=
  yuan; if the base is 5,000 yuan, the individual monthly contribution is ​
  ×8%=
  yuan.

• Unit contribution: The unit also needs to contribute more with a higher base. Taking the above - mentioned pension insurance as an example, when the base is 11,900 yuan, the unit monthly contribution is ​
  ×14%=
  yuan; when the base is 5,000 yuan, the unit monthly contribution is ​
  ×14%=
  yuan.

2. Pension benefits:

• Account balance: A higher contribution base means more money is deposited into the individual pension account each month. In the long run, the balance in the account will be much larger. For instance, assuming a long - term contribution, with a base of 11,900 yuan, the accumulated amount in the individual pension account will be significantly more than that with a base of 5,000 yuan, which will directly affect the calculation of the pension received after retirement.

• Pension amount: According to the pension calculation formula, which is related to factors such as the individual account balance and the contribution period, a higher social security base generally leads to a higher pension amount after retirement.

3. Medical insurance account:

• Reimbursement ceiling: Although the medical insurance reimbursement ratio is not directly related to the social security base, in some cases, a higher base may be associated with a relatively higher medical insurance reimbursement ceiling in the long - term development of the medical insurance policy.

• Account balance: The amount transferred into the individual medical insurance account is related to the social security base. A higher base will result in more money transferred into the individual medical insurance account, which can be used for medical expenses such as seeing a doctor and buying medicine.

In general, a social security base of 11,900 yuan in Ningbo, Zhejiang, means higher contributions during the working period, but also brings the possibility of higher pension benefits and better medical insurance treatment in the future compared to a base of 5,000 yuan. When choosing a social security base, individuals can comprehensively consider their own economic situation, future pension expectations, and other factors.

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