再谈医疗保险个人账户

Discussion on Personal Accounts of Medical Insurance

医疗费用持续攀升与医保基金过多结余的矛盾,再次将个人账户推到了风口浪尖,对其存在与否的探讨,俨然已成为理论界不可回避的话题。通过对我国"统账结合"的医疗保险制度进行追根溯源,探究制度的设计初衷,以证实个人账户存在的合理性及必要性;通过对个人账户的功能与作用进行归纳和总结,以论证个人账户的理论及现实意义;在分析个人账户发展过程中存在问题的基础之上,提出一系列用活用好个人账户的措施,为不断提高个人账户的使用效率,提升医保基金互助共济能力等提供参考。

The contradietion, which between the higher medical costs and excessive balance in medical insurance funds, pushed the indiviclual account into the spotlight again： anti the discussion about the existence of the individual account obviously became the inevitable topic in theoretical field. Through tracing the combination model of ＂risk-pooling fund and individual medical account＂ in medical insurance in China, it explored the original intention of the system so as to confirm the rationality ant] necessity of the exis- tence of individual account. By summarizing the functions and effects of individual account, it tended to prove the theoretical arid prac- tical siguificances of individual account. On the basis of analyzing the existing problems in the development of individual account, it put forward a series of measures to optimize the utilization of individual account, so as to provide references for improving the usage ef- ficiently of individual account and enhancing the mutual aid of medical insurance funds.