社会医疗保险费用合理分担的理论与实证研究

The Theory and Real Research on Realistic Share of Social Medical Insurance Expenditure

医疗保健服务作为偏向于私人产品的准公共产品,根据“谁获益谁付费”的费用分担原则,政府、企业和个人都应该是医疗费用的分担者。我国可以在总筹资比例不变的情况下,相应提高个人筹资比例,降低企业筹资比例,以寻求医疗保险制度建设与企业竞争力之间的平衡点。

Firstly, the theory explanation of how to share the medical insurance expense is provided. For example, according to the principle of ＂who profits who pays＂ , the real research of the shared proportion to the social medical insurance expenditure by virtue of ADF unit root test and Engle-Granger co integration test is provided, pointing out that the corresponding proportion financed personally should be enhanced, and the proportion financed personally should be enhanced, and the proportion financed by enterprise should be reduced, looking for the balance point between medical insurance construction and enterprise competing power.