In Ma'anshan, Anhui, the differences between a social security base of 20,000 and 5,000 are as follows:

1. Premium payment amount:

• For employees: Generally, the contribution ratio for pension insurance is 16% for the unit and 8% for the individual. For a social security base of 20,000, the individual pays ​
  ×8%=
  yuan per month for pension insurance, and the unit pays ​
  ×16%=
  yuan. For a base of 5,000, the individual pays ​
  ×8%=
  yuan per month, and the unit pays ​
  ×16%=
  yuan. For medical insurance, assuming the unit contribution ratio is 8% and the individual contribution ratio is 2%, with a base of 20,000, the individual pays ​
  ×2%=
  yuan, and the unit pays ​
  ×8%=
  yuan; with a base of 5,000, the individual pays ​
  ×2%=
  yuan, and the unit pays ​
  ×8%=
  yuan. There are similar differences in unemployment insurance and other insurances.

• For flexible - employed individuals: For pension insurance, the contribution ratio is 20%. With a base of 20,000, the monthly payment is ​
  ×20%=
  yuan; with a base of 5,000, the monthly payment is ​
  ×20%=
  yuan.

2. Future benefits:

• Pension: Pension calculation is related to the contribution base and contribution years. A higher contribution base like 20,000 means that more funds are accumulated in the individual pension account during the contribution period. When calculating the pension, the part of the individual account pension and the part related to the average salary of the local employees will be higher. For example, the formula for the individual account pension = the accumulated amount in the individual account ÷ the number of 计发 months. If the contribution base is 20,000, the accumulated amount in the individual account will be much larger than when the base is 5,000, resulting in a higher pension amount after retirement.

• Medical insurance: A higher contribution base may lead to a higher reimbursement ceiling in some cases. Also, the amount of money in the personal medical account is generally calculated based on a certain percentage of the contribution base. With a base of 20,000, more money will be deposited into the personal medical account, which can be used for medical expenses such as seeing a doctor and buying medicine in the future.

In general, a higher social security base of 20,000 in Ma'anshan, Anhui requires higher current premium payments but may bring more generous benefits in the future, while a base of 5,000 has lower payment pressure currently but relatively fewer benefits in the long run. It is necessary to choose an appropriate social security base according to one's own economic situation and future expectations.

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