职工医保个人账户政策分析与建议

Analysis and Suggestions of Policy Reform in Medical Saving Account of Basic Medical Insurance

职工医保个人账户政策曾为职工基本医保制度的建立完善发挥了积极作用,随着医保改革的深入,探讨个人账户的未来政策取向,选择恰当的个人账户转型策略、调整个人账户的保障对象和支付范围,发挥个人账户的效应是应当慎重考虑的问题。建议国家有关部门立足资金效益最大化,进一步完善医保基金的构成,重新明确个人账户在基本医保中的地位。

The medical saving account had played an important role in China medical insurance reform. Yet according to the different social background, it is time to adjust the medical saving account policy. The tendency of the policy, the transition strategy, the payment range and the effect of the reformation should be deeply analyzed. The author suggests that, the medical saving account should be separated from medical insurance funds relatively, and to achieve the maximizing benefits, the state should identify the role of medical saving account in whole social medical insurance the early the best.