长期护理保险筹资水平测算及可行性研究——以四川省眉山市为例

Calculation of Long-Term Care Insurance Financing Level and Study on the Feasibility——Taking Meishan City of Sichuan Province as an Example

目的:结合四川省眉山市经济与社会发展情况,测算长期护理保险筹资水平并测试个人筹资压力,分析筹资水平的合理性与可行性。方法:基于《2022年眉山市医疗保障事业发展公报》《2023年眉山统计年鉴》《中国人口普查年鉴2020》等数据,构建ILO模型测算眉山市长期护理保险筹资标准,并利用Eviews软件对个人责任分担进行可行性检验。结果:职工筹资比例为0.07%,居民筹资比例为0.22%,定额筹资标准为75元/年。结论:运用ILO模型测算所得筹资水平合理且可行,适应当地经济发展水平。建议通过“大众参与、小众享受待遇”的宽口径原则进行筹资,建制初期大力宣传政策,同时明确财政筹资责任,引导全民参保。

Objective:The paper calculates the financing of long-term care insurance and tests the pressure of individual financing in combination with the economic and social development of Meishan City in Sichuan Province.Methods:Based on the data of Meishan City Healthcare Security Development Report of 2022,Meishan City Statistical Yearbook of 2023,and the China Population Census Yearbook of 2020,the ILO model was constructed to calculate the financing standard of Meishan City's long-term care insurance and the feasibility of individual responsibility sharing was tested by using Eviews software.Results:The contribution ratio of employees is 0.07%,the contribution ratio of residents is 0.22%,and the contribution standard of residents is 75 yuan per year.Conclusion:The financing level estimated by the ILO model is reasonable and feasible,adapting to the local economic development.It is recommended that financing should be carried out through the broad-banded principle of"mass participating,minority benefiting".In the early stage,policies need to be vigorously promoted,while clarifying the responsibility for financial fundraising and guiding the entire population to participate in insurance.