论现阶段医疗保险个人帐户存在的必要性

Why should the individual account of social health insurance exist at present

[目的]探讨医疗保险个人账户是否有存在的必要性。[方法]将方案设计的初衷与实际运行相比较分析。[结果]医疗保险个人帐户约束和积累作用发挥得不理想,在一定程度上抑制了老年人和慢性病患者的医疗需要。从我国国民的心理承受力和国民素质及解决人口老龄化时支付危机等方面的考虑,笔者认为在现阶段有其存在的必要。[结论]应采取扩大覆盖对象,调整使用范围,取消退休人员个人账户,加强对供方的管理以及其它配套措施来进一步完善。

Objective： To discuss the existing necessity of individual account of social health insurance. Methods： Comparatively analyzing the proposed aim and real results of health insurance scheme. Results： Individual account＇s function to restrict and accumulate fund is not enough, and to some extend inhabits the health needs among the aged people and patients with chronic illness. But it is still necessary to exist at present in context of China＇s situation. Conclusion： It suggests expanding the coverage, adjusting its using range, canceling individual account of retiree, strengthening the management of providers and perfecting other related measures.