基于收入分层的城乡医保筹资模式思考

Thinking on the Financing Mode of Urban and Rural Medical Insurance Based on Income Stratifications

我国医疗保险制度经过50多年的建设与改革,对人民的健康保障起到了重要作用。但随着社会经济的发展,现行社会医疗保险覆盖面窄、公平性差等问题逐渐暴露出来。原因在于我国城乡医疗保障制度缴费模式设计中是以职业为唯一依据。通过对当前制度缴费方式的分析,文章提出缴费模式可以考虑依据收入状况,实施不同缴费制度的方案。就此打破就业、福利、保险三位一体的城乡医疗保障体制,使保险与就业相分离,转变成保险与收入相结合,构建功能互助的医疗保障体系。

With the development and reform for more than fifty years, Chinese medical insurance system has ensured the people＇s health. But at the same time, some problems such as limited coverage and fairness have been exposed gradually. It is mainly because the paying mode of medical insurance system is based on one＇s occupation. So new stratification mode based on income have been put forward to reform the trinity system of employment, welfare and insurance. According to this new mode, insurance is combined with income.