主题：【原创】为何中美人均可支配收入差距远大于人均GDP差距 -- 常乐

原文不是很清楚，反驳也没有挑明。原文非要说“企业养老金缴费率不高,只有名义工资的6.4%。”从行文上也没有错。

美国社保和医保也是分为两部分：企业缴纳部分，和个人缴纳部分。

企业为社保（SSN) 提供 6.2%, 为医保提供1.45%.

个人也为社保（SSN) 提供 6.2%, 为医保提供1.45%.

如果是自雇佣（个体），那么直接交 15.3%。

（美国的个人所得税还是很重的，每年保税时大家都深有体会。）

见下文：

The employer is also liable for 6.2% Social Security and 1.45% Medicare taxes,[11] making the total Social Security tax 12.4% of wages and the total Medicare tax 2.9%. (Self-employed people are responsible for the entire FICA percentage of 15.3% (= 12.4% + 2.9%), since they are in a sense both the employer and the employed; however, see the section on self-employed people for more details.)

摘自：http://en.wikipedia.org/wiki/Federal_Insurance_Contributions_Act_tax