摘要
随着经济社会转型、人口老龄化和疾病谱的变化,我国现有的基本医疗保险筹资机制已难以满足基本医疗保险制度发展的要求。本文从筹资标准、筹资来源和基金配置等角度,对我国基本医疗保险筹资机制的现状及面临的主要问题进行分析,提出以下建议:推动强制参保,拓展筹资渠道,提升基金使用效率;适度强化个人筹资责任,下调职工医保的单位缴费比例,逐步提高居民医保筹资标准;建立健全筹资增长机制,建立职工医保终身缴费机制。
With the economic and social transformation,population aging and changes of disease spectrum,the existing financing mechanism cannot meet the requirements of China’s basic medical insurance system.The status quo and problems of financing mechanism of China’s basic medical insurance system was analyzed from the perspective of financing standard,financing resource and fund allocation.Some suggestions was put forward as below:promoting compulsory enrollment;expanding financing channels and improving the efficiency of the fund;moderately strengthening individual financing responsibility;moderately reducing the proportion of employees’contributions to medical insurance;establishing and improving financing growth mechanism to gradually improve residents’medical insurance financing standards;establishing lifelong contribution to employees’medical insurance.
作者
朱坤
林玲
ZHU Kun;LIN Ling(Chinese Academy of Fiscal Sciences,Beijing 100142,China)
基金
国家卫生健康委专项资金支持。
关键词
基本医疗保险
卫生筹资
全民健康覆盖
个人账户
basic medical insurance
health financing
universal health coverage
medical saving account
