全面二孩政策下生育保险与医疗保险整合中的基金平衡机制研究

Fund Balance Mechanism of the Integration Between the Maternity Insurance and Medical Insurance: Under the Policy of Universal Two-Child Family Plan

以镇江市为样本地区,通过实地调研收集到该地区2011—2016年生育保险与医疗保险的相关数据,并利用构建的基金平衡模型,对样本地区生育保险与医疗保险整合中的基金平衡状态及缴费费率进行了实证研究。研究结果表明,全面二孩生育政策对基金平衡产生一定负面影响,但参保缴费人数的增多对基金平衡产生积极影响,两项保险整合中的缴费率不是原费率的简单直接相加,而是需要经过科学测定,以防止基金结余过多或收不抵支现象的发生。

Taking Zhenjiang as the sampled region,this paper collects data of maternity insurance and medical insurance within the recent 5 years through field research. By constructing a fund balance model of these two insurances,this paper then empirically analyzes the fund balance status and contribution rate in the integration of maternity insurance and medical insurance in the sampled city.The results indicate that the Universal Two-Child Family Plan does have a negative impact on fund balance while the increase of the number of insured people shows a positive one. The paper suggests that the contribution rate should not be simply added,but rather,scientifically measured as it will be helpful in avoiding fund surplus or deficit.