摘要
医疗保险中引入个人账户是中国改革其传统免费医疗保障制度为缴费型医疗保险制度过程中的重要政策选择,但实践证明其因有违医疗保险制度的规律而有碍制度的健康持续发展。从对个人账户极力推崇到逐步取消的转变,表明中国社会保障改革理性的回归。然而,取消医保个人账户因触及众多参保者的切身利益而面临着较大的社会阻力和风险。因此,深化改革需要更加理性,采取权益置换、提供稳定预期、分步推进等改革策略。
China introduced the mandatory individual account in social health insurance while replacing its earlier free medical care with a contributory health insurance system.However,the mandatory individual account goes against health insurance principles of risk pooling and proves to be an obstacle for the sustainable development of the health insurance scheme.The change from the extension of the individual account in health insurance to the gradual removal of the individual account reveals the return of rationality to China’s social security reform.Admittedly,the removal of the individual account involves the vital interests of many insured people,and thus faces considerable social resistance and risks.Further reforms need to be more rational.Reform strategies such as making trade-offs between individual accounts and other benefits,providing the insured with stable expectations,and taking stepwise measures can be adopted.
出处
《学术研究》
CSSCI
北大核心
2020年第4期87-94,177,178,共10页
Academic Research
基金
中国社会科学院青年科研启动项目“中国医疗保险个人账户改革研究”的阶段性成果。
