论医疗保险个人帐户的建制效力

On the Effectiveness of Individual Account in China's Basic Medical Insurance Scheme

本文对我国统账结合的基本医疗保险制度中个人账户的效力进行了分析,认为其医疗费用风险化解能力弱,长期积累面临贬值风险,存在转换成本,并且因为管理成本高而低效率运行。因此选择通过发展社区卫生服务和社区医疗机构建设,建立完善多层次的医疗保障就是一种更可行的、高效率的选择。

This paper analyzes the effectiveness of individual account in China's basic medical insurance scheme.The author thinks that some problems such as the low ability to mitigate risk,effects of inflation on individual account in nesting period,the cost of scheme transfers,and high administrative cost will reduce the effectiveness.So developing community-based care and medical service scheme for establishing a multi-layer health insurance system is the right choice.