大病保险制度推广对各地城居医保基金可持续性的影响

发布时间：2018-01-02 20:45

本文关键词：大病保险制度推广对各地城居医保基金可持续性的影响　出处：《保险研究》2014年01期 　论文类型：期刊论文

【摘要】：本文基于大病保险和城镇居民基本医疗保险融资一体化的视角,综合考量医疗费用增长水平、保障水平、保障范围等多重因素,对我国31个省、市、自治区的城镇居民医保体系的可持续性进行动态预测,评估大病保险推广对我国城镇居民医保制度的基金收支带来的平衡风险。测算发现,在不同的假设之下,到2015年,我国最少有9个省市、最多达到15个省市出现城镇居民医保基金累计结余赤字,城镇居民医保基金累计结余最低将出现13.63亿元的赤字。为保证城镇居民医保制度的可持续性,需优化城镇居民基本医疗保险和大病保险的保障水平,合理确定保障范围,有效控制医疗费用增长。
[Abstract]:In this paper, a serious illness insurance and basic medical insurance for urban residents financing based on the perspective of integration, comprehensive consideration of the increase of medical expenditure level, the level of protection, the scope of protection and other factors, in 31 provinces, China, the sustainability of the health care system for urban residents of the Autonomous Region of the dynamic prediction, evaluation of the risk of serious illness insurance promotion balance system medical insurance for urban residents in China Fund. The calculations showed that under different assumptions, by 2015, at least 9 provinces and cities in China, up to 15 provinces and cities of urban residents health insurance fund balance accumulated deficit, urban residents' health insurance fund balance accumulated minimum will have a $1 billion 363 million deficit. In order to ensure the sustainability of medical insurance system urban residents, the level of protection required to optimize the basic medical insurance for urban residents and serious illness insurance, reasonably determine the scope of protection, effectively control the growth of medical expenses.

【作者单位】：南开大学经济学院;
【基金】：中国保监会部级研究课题重点项目“保险业参与大病保险制度研究” 教育部人文社会科学重点研究基地重大项目“我国社会发展与民生保障战略研究:以构建公平和可持续的医疗保障体系为例”(项目号13JJD840004)的资助
【分类号】：F842.6
【正文快照】： 一、引言2012年8月24日,国务院六部委共同发布了《关于开展城乡居民大病保险工作的指导意见》(以下简称《指导意见》),在此背景下,我国各地区结合当地实际情况,制定大病保险实施方案,并积极尝试创新大病保险模式。截至2013年12月15日,据不完全统计,山东、青海、安徽、山西、河

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