摘要
医保个人账户是城镇职工基本医疗保险的组成部分,其运行取得了一定成效,也有进一步探索改革之必要。当前个体医疗服务在需求、供给和费用支出方面具有明显的不确定性特征。个体医疗服务消费的不确定性使城镇职工基本医疗保险个人账户设置的初衷难以实现、个人账户管理的过程困难、个人账户有效分散门诊医疗费用支出风险的目的达成受限。因此,本文展开深入研究,提出应该改革城镇职工基本医疗保险个人账户、实现城镇职工基本医疗保险门诊费用统筹等建议。
The medical insurance personal account is a component of the basic medical insurance for urban employees.Its operation has achieved certain results,and it is necessary to further explore reforms.At present,individual medical services have obvious characteristics of uncertainty in terms of demand,supply and expenditure.The uncertainty of individual medical service consumption makes it difficult to realize the original intention of setting up personal account of basic medical insurance for urban employees,the process of personal account management is difficult,and the goal of personal account to effectively disperse the risk of outpatient medical expenses expenditure is limited.Therefore,this article conducts in-depth research and proposes to reform the personal accounts of the basic medical insurance for urban employees and realize the overall planning of outpatient expenses for the basic medical insurance for urban employees.
出处
《价格理论与实践》
北大核心
2021年第5期34-38,96,共6页
Price:Theory & Practice
基金
中央高校基本科研业务费项目(批准号:YWF-20-BJ-W-126)
关键词
个人账户
职工医保
门诊费用统筹
现收现付
personal account
employee medical insurance
overall planning of outpatient expenses
pay-as-you-go
