困难企业职工参保问题的思考——以焦作市为例

Thinking on the Problem of Staff Participation Medical Insurance in Difficult Enterprises—Taking Jiaozuo as an Example

焦作市在困难企业长期欠缴医保费的情况下,在确保医保基金安全运行的基础上,仍然保障了职工的基本医疗保险待遇。但困难企业职工因企业不能缴纳包括大病补充保险费在内的医保费,无法享受由商保承办的大病补充保险待遇。企业因资不抵债长期不能进入破产程序,其职工也难以退出职工医保转入缴费少、基本医保和大病保险都有保障的居民医保。如何解决这一难题?本文结合焦作市医保中心在经办工作中的案例,对困难企业职工参保的深层次原因进行探讨,以求破解之道。

Jiaozuo has guaranteed the basic medical insurance treatment for the workers in the di？ cult enterprises. However, the workers in di？ cult enterprises can not enjoy the insurance treatment because they can not pay medical insurance. The enterprise can not enter the bankruptcy procedure for a long time, and it is di？ cult for the workers to withdraw from the medical insurance of the sta？ and workers. How to solve this problem？ Based on the case of the Medical Insurance Center in Jiaozuo, this paper discusses the deep reasons of the sta？ participation medical insurance in the di？ cult enterprises in order to solve the problem.