城市居民基本医疗保险制度存在的问题与对策研究——以H市为例

The Problems and Countermeasures on Basic Medical Insurance System of Urbanities——Taking H City as Example

城镇居民基本医疗保险制度运行过程中存在缺乏区隔化,总体参与意愿不高;保费过低,缺乏市场竞争力;没有设立个人账户,缺乏吸引性等问题,应通过加大宣传、提高认识;设立个人积累账户和采取区隔化的运营模式以实现该制度的良性运行和健康发展,从而维护和提高城市居民的生活质量和主体辛福感。

Through the investigation and analysis to the urbanities＂ basic medical insurance system in H city, we summarize its lack of segmentation in the process of operation. We found the overall willingness to participate is not high, the premium is too low, the market competitiveness is deficiency, the personal account is not established and the insurance is not attractive. So we present the corresponding solutions. That is to increase publicity, deepen the understanding, establish the individual accumulation account and tad the segmentation operation mode in order to make the system healthy and be well run. These measures can defend and improves the urbanities＇ quality of life and subjective well--being.