城镇职工医疗保险个人账户存废问题探讨

The Study of the Existence or Elimination of Urban Workers' Medical Insurance Personal Account

运行10余年的城镇职工医疗保险个人账户在存废问题上,引发了学术界的许多争议。文章在梳理了争论双方存废观点的基础上,论证了保留个人账户的必要性,并针对个人账户存在的运行效率低下、个人短视等问题,提出了扩大个人账户使用范围等建议,强调了个人在医疗服务消费中应承担相应的责任。

The personal account of medical insurance for urban workers has operated for more than ten years,and there are a lot of controversy between the existence and elimination of it in the academic community. Based on the different views,the paper demonstrates the necessity to retain personal account. According to the personal account＇s inefficiency and the individual short- sighted problem,the paper puts forward to expand the scope of personal account, emphasizes that the individual should take corresponding responsibility in medical service consumption.