老年人医疗保险基金筹集与使用的公平性分析

Study on the Fairness of Elder Medical Insurance Raised and Cost

目的探讨老年人医疗保险基金筹集与使用的公平性。方法应用实证研究和文献比较方法。结果人口老龄化加剧,老年人群体占参加医疗保险人员比例逐年升高,老年人对医疗服务的使用一般是年青人的3～4倍,老年人占用了医保基金中较大比例的费用,但在基金筹集中并未体现老年人特点。结论完善制度建设、设立健康储蓄和老年人医疗救助基金有利于老年人健康保障和实现公平。

Objective To study the fairness of eider medical Insurance raised and cost . Methods Positivism study and document compare analysis were applied. Results The elderly tendency is speeding , the proportion of the elderly among the medical insurance people is rising year by year , the used medical service of the elderly is 3～4 times more than the young , the elderly occupied more medical insurance fund , but the fund raised did not show the elderly medical speciality . Conclusion It is useful to assure the elderly health and show fairness that perfecting the elder medical insurance system , establishing health saving account and the elder medical relief funds .