我国现行医疗保险制度与解决看病贵关系分析

Analysis on relationship of social medical insurance system and high medical cost

对我国城乡现行医疗保障制度与解决看病贵问题的关系进行分析。认为:医疗保障基金的结存率、付费机制与看病贵的问题密切相关,提出只有城乡医疗保险覆盖面的受益面与受益性协调发展,才能建立名副其实的全民医疗保障制度;适度降低我国城乡医保基金结存率,能够在提高资金使用率中化解看病贵的部分矛盾;改革城乡医疗保险付费机制,能够在提高卫生资源有效使用率中缓解看病贵问题。

The relationship between social medical security system and high medical cost were analyzed. The medical security funds balance rate and payment mechanism heavily impacted medical cost. The real medical insurance universal coverage could be established only when the urban and rural medical security system coverage and benefit coordinated development. Decreasing medical insurance funds balance rate appreciably could partly improve reimbursement rate to relief high medical cost. Reform urban and rural medical insurance payment mechanism could improve health resource utilization rate.