Residents' medical insurance or increase the proportion of individual contributions
with the increase of medical expenses and the improvement of the level of security, the long-term expenditure pressure in the medical insurance fund is increased, the residents' medical insurance The risk of huge financial subsidies is gradually showing. Reporters learned that in 2016, the proportion of urban residents' basic medical insurance and the new rural cooperative medical personal contribution rate may rise. In response, reporters sent letters to the Ministry of human resources and social security and Health Planning Commission for verification.
why?
data show that the increase in basic medical insurance per capita of urban residents over the past 6 years has been higher than the per capita individual contribution, which makes the proportion of financial subsidies more and more large, from 60.8% in 2009 to 79.3% in 2014, and financial subsidies and individuals The ratio of payment is close to 4: 1. In 2015, the government subsidy standard for medical insurance for urban residents was 380 yuan per person, and personal payment was not less than 120 yuan per person. Wang Zongfan, director of the Medical Insurance Research Institute of the Social Security Research Institute of the society of human society, believes that the excessive proportion of financial subsidies not only brings about the problem of financial support, but also makes the health insurance of residents dangerous to the welfare system.
how much?
for the future direction of reform, Wang Zongfan believes that the adjustment of financing policy should take full account of the difficulties and resistance currently facing, and need to step by step and step by step. With the increase of residents' income, the sharing ratio of medical insurance payment units and individuals can be referred to (about 3: 1), and the adjustment goal of the residents' medical insurance payment and personal sharing ratio is also determined to be 3: 1. Of course, a transitional period is needed to achieve this goal. Wang Dehua, Associate Research Fellow of the Financial Strategy Research Institute of the Chinese Academy of Social Sciences, believes that the gradual adjustment of the financial and personal share ratio to 1:1 is more appropriate. (according to Xinhua News Agency)