摘要
城镇职工医疗保险个人账户在制度建立之初发挥了平缓改革阻力的重要作用,但随着医药卫生体制改革的不断推进,个人账户的弊端也日益显现。文章梳理了个人账户设立的历史背景和功能作用,分析了个人账户在运行过程中存在的问题,在此基础上对取消个人账户进行风险评估,并结合各地实践经验,提出进一步完善个人账户功能的政策建议。
Individual medical savings account for urban employees played an important role in alleviating resistance of reform in the founding of Chinese medical insurance system. However, with the advancing of medical and health system reform, the disadvantages of individual medical savings account have gradually appeared. The article elaborated the background and function of individual medical savings account, analyzed the problems during implementation, conducted a risk assessment for the cancellation of individual medical savings account, and put forward policy suggestions on the improvement of individual medical savings account for urban employees on the basis of national practical experience.
出处
《中国卫生资源》
北大核心
2017年第1期19-23,共5页
Chinese Health Resources
基金
上海市医疗保险协会委托课题"完善职工医疗保险个人账户功能研究"
第二轮美国中华医学基金会卫生体系研究与政策转化合作项目"建立中国卫生政策转化网络"(CMB-CP 14-190)
关键词
城镇职工医疗保险
个人账户
商业医疗保险
健康管理
urban employees＇ basic medical insurance
individual medical savings account
commercial healthinsurance
health management
