老龄化背景下上海城镇职工医疗保险基金管理政策研究——基于系统动力学的分析

发布时间：2018-07-21 11:27

【摘要】：目的:分析上海医疗保险基金管理应对老龄化压力的长期政策建设。方法:应用系统动力学方法建立老龄化、医疗保险基金运行、政府政策之间的系统动力学因果关系图。结论:上海现有医疗保险制度安排下老龄化带来医疗保险基金财务压力的因果关系链条清晰。政策干预短期有效缓解了基金赤字压力,但未来仍可能面临老龄化带来的医疗保险基金财务压力。长期政策建设路径:降低退休人员个人账户计入金额、退休人员适当缴费和政府财政补贴以提高基金收入;强化医疗保险管理机构战略购买者的能力、推进健康管理、深化医改以控制医疗费用增长速度;发展商业医疗保险、扩大个人账户使用途径以拓宽医疗费用筹资渠道。
[Abstract]:Objective: to analyze the long-term policy construction of Shanghai medical insurance fund management to cope with the aging pressure. Methods: the system dynamics method is used to establish the aging, the operation of medical insurance fund and the system dynamic causality between government policies. Conclusion: the existing medical insurance system in Shanghai brings the finance of medical insurance fund under the existing medical insurance system. The causal chain of pressure is clear. Policy intervention effectively alleviates the fund deficit pressure in the short term, but it may still face the financial pressure of the medical insurance fund brought by aging. The long-term policy construction path is to reduce the amount of the retirees' personal accounts, the proper payment of the retirees and the government financial subsidies to improve the fund income; The medical insurance management agency has the capability of strategic buyers, promotes health management, deepens medical reform to control the growth rate of medical expenses, develops commercial medical insurance, and expands the way to use individual accounts to broaden the financing channels for medical expenses.
【作者单位】：复旦大学社会发展与公共政策学院;上海中医药大学;
【基金】：上海中医药大学人文社科课题“老龄化对上海城镇职工医疗保险基金的影响和对策分析”(编号:2015YSN79)
【分类号】：F842.684;R197.1

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