上海市城镇职工医保个人账户运行情况分析

Analysis on the operation of personal saving accounts for Urban Employees' Basic Medical Insurance in Shanghai

上海市城镇职工基本医疗保险实行统账结合的基金管理模式。近年来,上海市城镇职工医保基金收支增加,基金结余逐年上涨,且大多集中在医保个人账户。从总体来看,绝大多数参保人医保个人账户均有结余,但结余金额不高,1 000元以下占52.3%。从年龄段划分来看,医保个人账户基金主要集中在30岁以上的在职人群。医保基金由于其特殊性,主要通过银行活、定期存款以及国债等进行保值,与物价指数相比存在贬值,某种程度上未能充分发挥个人账户的个人属性。建议通过家庭共济、购买补充医疗保险等途径探索医保个人账户的使用功能,同时拓宽医保个人账户基金保值增值的渠道。

There is a unification of the social pooling accounts and personal saving accounts of Urban Employees＇ Basic Medical Insurance（ UEBMI） in Shanghai. In recent years,the revenue and expenditure of UEBMI funds increased,and the fund balance sprouted year by year,and mostly concentrated in personal health insurance saving accounts. On the whole,the vast majority of insured personal saving accounts have balances,but the balance is not high,i. e. less than 1 000 yuan accounted for 52. 3%. Judging from the age group,the personal health insurance saving account funds is mainly concentrated in the 30-year-old and over working population. Because of its particularity,the personal health insurance saving accounts can only be invested in current deposit（ bank live）,time deposit and national debt,bonds and other hedge. Compared with the price index devaluation,the personal health insurance saving accounts somehow failed to give full play to the personal attributes. It is suggested to explore the use function of personal health insurance saving accounts by establishing family saving accounts-family coexistence,purchasing of supplementary medical insurance and so on. Simultaneously,the channels of maintaining and increasing the value of personal health insurance saving accounts could be broadened.