我国基本医保筹资机制的现状、问题和对策

Current Situation,Problems and Countermeasures of Basic Medical Insurance Financing Mechanism in China

经过20多年医保改革,我国建立了较为成熟的基本医保筹资机制。但随着实践的发展,基本医保在筹资机制、统筹层次、保障待遇、个人账户、基金监管等方面暴露出一些问题。通过建立政府、单位、个人三方缴费的职工医保筹资机制、与个人收入挂钩的居民医保筹资机制、科学合理的待遇清单制度,以及提高个人账户运行效率和基金监管能力等路径;坚持法治思维、底线思维和辩证思维,推动经济高质量发展和进行开源节流改革等基本方向,优化基本医保筹资机制,推动基本医保高质量发展。

After more than 20 years of medical insurance reform,China has established a relatively mature basic medical insurance financing mechanism.However,with the development of practice,basic medical insurance has exposed some problems in financing mechanism,pooling level,secured benefits,personal accounts,fund supervision and so on.A three-party medical insurance mechanism paid by the government,employers and individuals should be established.We should also practice a resident medical insurance financing mechanism linked to personal incomes,with a scientific and reasonable benefit list system,to improve the efficiency of personal account operation and fund supervision capabilities.We are committed to the rule of law,bottom-line thinking and dialectical thinking,seek a high-quality economic development,persist in increasing income and reducing expenditure,optimize the financing mechanism of basic medical insurance,and promote the high-quality development of basic medical insurance.