政策因素对灵活就业人员参保行为的影响

Influence of Policy on Insurance Participations of Floating Employees

南通市自2001年7月起将灵活就业人员纳入城镇职工基本医疗保险范围,并制定了相应的参保政策,2003年10月进行了政策调整。作者通过对新老政策实施过程中灵活就业人员的参保行为的分析,发现在老政策实施时期,参保人数较少,存在逆向选择问题,以高龄人群参保比例较大,基金超支严重;新政策实施后,这些问题得到有效缓解。建议加强灵活就业人员参保的制度设计,关注低收入人群的参保问题,制定政策鼓励灵活就业者以社区为单位集体参保。

Some policy was adjusted in the city of Nantong, October 2003, t hat floating employees would also share the urban employees' basic medical insur ance scheme. With the previous and new policy analyzed, it is discovered that in surance participants were comparatively fewer and had the trend of converse sele ction, proportion of aged people was higher, and funds were seriously overspent when the former policy was applied. However, all these problems were alleviated effectively after new policy. As a result, system on floating employees' insuran ce participation is to be improved. Much more attention should be given to those low incoming. And more policies should be established to encourage floating emp loyees to join the scheme collectively based on community.