实施职工医保门诊共济保障机制的思考

Reflections on the Implementation of the Joint Assistance and Security Mechanism for Employee Medical Insurance Outpatients

随着我国老龄化程度的不断加深,我国的社会保障制度出现严重的经济负担。为了解决我国医疗保障面临的经济问题,国务院办公厅正式发布《关于建立健全职工基本医疗保险门诊共济保障机制的指导意见》。从此,“职工医保门诊共济”成为医疗保障的改革方向。本文紧跟国家政策热点,对实施职工医保门诊共济保障机制产生思考,并从经济学的角度,利用无差异曲线和预算约束曲线对其带来的重要改变进行分析。

With the continuous deepening of China’s aging population, there is a serious economic burden on China’s social security system. In order to solve the economic problems faced by China’s medical security, the General Office of the State Council has officially issued the “Guiding Opinions on Establishing and Improving the Outpatient Mutual Assistance Security Mechanism for Basic Medical Insurance for Employees”. From then on, “employee medical insurance outpatient assistance” has become the direction of medical security reform. This article closely follows the national policy hotspots and provides reflections on the implementation of the employee medical insurance outpatient co aid guarantee mechanism. From an economic perspective, it analyzes the important changes brought about by the indifference curve and budget constraint curve.