我国三大医保制度整合的现实基础分析

Analysis on the Realistic Foundation of the Integration of Chinese Three Basic Health Insurance Systems

职工医保、居民医保、新农合三大社会医疗保险制度在保障范围和待遇水平等方面存在较大的差异,形成了医疗保险的城乡分割、地区分割和人群分割,为此,需要对制度进行整合。本文在对三大现行制度设计、制度实施效果和存在的主要问题进行分析与比较的基础上,考察制度结构与社会经济环境的适应性,以此对整合三大制度的现实基础进行探索。

Presently, Chinese three basic health insurance systems differ from each other in many aspects including coverage, payment, etc,which accounting mainly for the serious situation of the division between urban and rural areas, division among different areas and among different communities. There is no doubt that the present systems need integrating. Based on comparative analysis about the design and implementation effect of the three systems as well as the main problems already existed, This study aims at analyzing the adaptability of the systems＇ structure to the social and economic environment and makes an exploration on the realistic foundation of the three basic health insurance systems.