郑州市城镇居民基本医疗保险筹资与补偿水平测算分析

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1、◆复亘大学硕士学位论文郑州市城镇居民基本医疗保险筹费与补偿水平{时算研究政策建议1．城镇居民基本医疗保险可以尝试“以家庭为单位”的参保形式，实现家庭内部的风险共担，减轻个人缴费压力，并有助于减小逆向选择和提高医保管理效率。2．城镇居民基本医疗保险的建立和发展需要政府承担起财政支持的责任，建立稳定长期的财政投入机制，积极拓宽筹资渠道，确保居民医疗保险稳定的筹资来源。3．城镇居民基本医疗保险的筹资额有限，且个人账户不利于医疗保险的互济功能，因此居民医疗保险以“不设个人账户"为宜。4．城镇居民基本医疗保险不能流于形式上制度的出台，医疗保险管理部门要

2、从多方面入手，努力提高居民医疗保险的管理效率，确保参保居民医疗保障的落实，促进居民医疗保险的可持续发展。关键词居民医疗保险筹资补偿需求释放中图分类号：R197．1●◆复旦文学硕士学位论文郑州市城镇居民基本医疗保险筹资与补偿水平溯算研究StudyonthecalculationofendowmentandreimbursementlevelofbasicmedicalinsuranceforurbanresidentsinZhengzhoucityAbstractBaekgroundsDespitetheestablishmentofbasic

3、medicalinsuranceforurbanemployeesandnewruralcooperativemedicalsystem，quitesomegroupshavenomedicalinsuranceprogramsyet．TheresultsofThirdNationalHealthServiceInvestigationshowedthatover44．8％oftheurbanpopulationinOurcountryhadnoinsurance，includingjoblessurbancitizens，dependent

4、familymembers，retiredemployeesbeforeenterprise’bankruptcy，land-lostfarmersandminorsetc．Generallyspeaking，thesegroupshavelowincomelevelandbadhealthconditions，what’Sworseisthatthegrowthlevelofthemedicalcareexpensesnormallyexceedsthatoftheirincomes’．Consequently，theyoftensuffe

5、rfromtheheavyburdenofthemedicalcareexpenses，theillness—causedpoverty．Althoughinsuranceprogramsopenforvariousgroupsotherthanurbanemployeeshavebeenestablishedinsomecitiestoexpandthecoverageofbasicmedicalinsurance，suchashealthinsuranceforchildrenandadolescent，healthinsurancefo

6、rpeopleemployedinaflexiblemanner,manygroupsincludingnon-employedperson,dependentfamilymembers，migrantworkers，laid—offandseparatedworkershaven’tbeencovereduptonowinmostofthecitiesinOurcountry．Thegovernmentattachesgreatimportancetotheinsuranceissueofthesegroupsandisstrivingto

7、solvesuchtoughproblem、析tllthedeepeningofmedicalinsurancesystemreformSOastoconstructaharmonioussociety．Theexistinginsuranceprogramsaforementioned，whichopenfornon—employedgroups，aremostlyreferredtobasicmedicalinsuranceforurbanresidents．Theendowment,reimbursementlevelandtheman

8、agementoftheseprograms，however,donotfitforthesocio·demographiccharacteristicsandpa