上海市城镇职工医保个人账户运行情况分析
发布时间：2018-07-23 09:33
【摘要】：上海市城镇职工基本医疗保险实行统账结合的基金管理模式。近年来,上海市城镇职工医保基金收支增加,基金结余逐年上涨,且大多集中在医保个人账户。从总体来看,绝大多数参保人医保个人账户均有结余,但结余金额不高,1 000元以下占52.3%。从年龄段划分来看,医保个人账户基金主要集中在30岁以上的在职人群。医保基金由于其特殊性,主要通过银行活、定期存款以及国债等进行保值,与物价指数相比存在贬值,某种程度上未能充分发挥个人账户的个人属性。建议通过家庭共济、购买补充医疗保险等途径探索医保个人账户的使用功能,同时拓宽医保个人账户基金保值增值的渠道。
[Abstract]:The basic medical insurance of urban workers in Shanghai implements the fund management model of the combination of unified accounting. In recent years, the income and expenditure of medical insurance fund for urban workers in Shanghai has increased, the fund balance has increased year by year, and most of them are concentrated in the personal account of medical insurance. Overall, the vast majority of insured health insurance personal account has a balance, but the balance amount is not high, less than 1,000 yuan accounts for 52.3. From the age division, the health insurance personal account fund is mainly concentrated in the 30-year-old working population. Because of its particularity, medical insurance fund keeps its value mainly through bank life, time deposit and national debt, which devalues compared with the price index, and fails to give full play to the personal attribute of individual account to some extent. It is suggested to explore the use function of the personal account of medical insurance by means of family solidarity and purchase of supplementary medical insurance, and to broaden the channels of maintaining and increasing the value of the personal account of medical insurance at the same time.
【作者单位】： 上海市卫生发展研究中心上海市医学科学技术情报研究所;上海财经大学公共经济与管理学院;复旦大学附属中山医院;复旦大学公共卫生学院;
【基金】：美国中华医学基金会卫生体系研究与政策转化合作项目(CMB-CP 14-190)
【分类号】：R197.1;F842.684
[Abstract]:The basic medical insurance of urban workers in Shanghai implements the fund management model of the combination of unified accounting. In recent years, the income and expenditure of medical insurance fund for urban workers in Shanghai has increased, the fund balance has increased year by year, and most of them are concentrated in the personal account of medical insurance. Overall, the vast majority of insured health insurance personal account has a balance, but the balance amount is not high, less than 1,000 yuan accounts for 52.3. From the age division, the health insurance personal account fund is mainly concentrated in the 30-year-old working population. Because of its particularity, medical insurance fund keeps its value mainly through bank life, time deposit and national debt, which devalues compared with the price index, and fails to give full play to the personal attribute of individual account to some extent. It is suggested to explore the use function of the personal account of medical insurance by means of family solidarity and purchase of supplementary medical insurance, and to broaden the channels of maintaining and increasing the value of the personal account of medical insurance at the same time.
【作者单位】： 上海市卫生发展研究中心上海市医学科学技术情报研究所;上海财经大学公共经济与管理学院;复旦大学附属中山医院;复旦大学公共卫生学院;
【基金】：美国中华医学基金会卫生体系研究与政策转化合作项目(CMB-CP 14-190)
【分类号】：R197.1;F842.684
【相似文献】
相关期刊论文 前10条
1 张黎明,吕军;一种新型农村合作医疗保险制度——嘉定区个人账户与大病社会统筹模式的探索与实践[J];中国农村卫生事业管理;2004年02期
2 吕勇;王晓茹;;小议新型农村合作医疗设立个人账户的做法[J];卫生经济研究;2006年04期
3 李一平;;个人账户并非骗保的“帮凶”[J];中国医院院长;2007年Z1期
4 沈焕根;;个人账户应该保留[J];中国医疗保险;2012年05期
5 沈华亮;;个人账户家庭共享效果几何——深圳市的实践分析[J];中国医疗保险;2012年07期
6 王东进;;应该理性分析妥善处理个人账户问题[J];中国医疗保险;2012年12期
7 金U，
本文编号：2138971
本文链接：https://www.wllwen.com/jingjilunwen/bxjjlw/2138971.html
