摘要
医保制度最终的受益目标是个体,既是社会的个体,更是家庭中的个体。文章以“家庭”为主线,考察我国城镇职工医疗保障制度七十余年的发展历程发现,职工医保制度中的家庭角色与定位经历了“惠及亲属—家属脱嵌—家庭再嵌”的演进过程。这反映了“家庭”作为连接制度和参保人的中介具有三重作用:一是参保资格上的连带作用;二是资金使用上的共享作用;三是保障责任的共担作用。此外,家庭的定位均与特定时期社会经济目标以及制度自身发展走向紧密相关,是依据外部环境变化相应作出的改革与优化,这既折射了医保制度理念和价值追求的演变,也反映了国家对待家庭需求的取舍和责任的界定。
The ultimate benefit goal of the medical insurance system is the individual,not only the individual of the society,but also the individual in the family.Taking “family” as the main line,this paper investigates from the perspective of the development of China’s urban workers’ medical security system for more than 70 years,and finds that the family role in the urban employee’s insurance system have experienced the change process of “benefiting relatives to family members off embedding,and then to family re-embedding”.This process reflects that “family”,as the intermediary connecting the system and the insured,has three functions:First,the joint roles in the qualification of insurance;Second,the sharing role in the use of individual account funds;The third is to assume the role of security responsibility together with the Medical insurance.In addition,the family position is closely related to the socio-economic objectives in a specific period and the development trend of the system itself.It is a corresponding reform and optimization based on the changes of the external environment,which not only reflects the evolution of the concept and value pursuit of the medical insurance system,but also reflects the choice and responsibility of the state to treat the needs of the family.
出处
《兰州学刊》
CSSCI
2022年第6期87-96,共10页
关键词
医疗保险制度
家庭
连带参保
资金共享
责任界定
urban employees’medical insurance system
family
benefiting relatives
fund sharing
responsibility definition
