农民工加入城镇医疗保险体系的方案探讨

发布时间：2019-01-01 19:52

【摘要】：农民工加入城镇医疗保险体系对城乡统筹具有很大示范和指导意义,目前我国农民工参加城镇医疗体系的情况并不乐观,本文在对医疗保险基金收支预测的基础上,利用代际核算体系,结合企业的缴费能力,着重考虑政府对农民工选择不同医疗保险方案的承受能力。模拟发现,从财政压力的角度看,农民工参加"城居保"无论是短期还是长期都完全可行。如果农民工参加"城职保",并且希望中期能够收支相抵,企业缴费率就不能低于4%。我们模拟了逐步增加缴费率的方案发现,如果参保企业收缴率不断提升,且企业缴费率逐步增加,缴费能力可在企业承受范围之内,从中期来看基本能收支相抵,从长期来看政府的压力不会大幅提升。
[Abstract]:The participation of migrant workers in the urban medical insurance system is of great demonstration and guiding significance to the overall planning of urban and rural areas. At present, the situation of migrant workers participating in the urban medical system is not optimistic. This paper forecasts the income and expenditure of the medical insurance fund. Based on the intergenerational accounting system and the enterprise's ability to pay fees, the government's ability to choose different medical insurance schemes for migrant workers is considered. From the point of view of financial pressure, it is found that it is feasible for migrant workers to participate in urban housing insurance in the short and long term. If migrant workers participate in urban vocational insurance and want to break even in the medium term, the enterprise contribution rate should not be lower than 4 percent. We simulated the plan of gradually increasing the contribution rate and found that if the rate of collection of insured enterprises is constantly rising and the enterprise's contribution rate is gradually increasing, the ability to pay can be within the scope of the enterprise's bearing, and in the medium term, it can basically make ends meet. In the long run, the pressure on the government will not rise significantly.
【作者单位】：北京大学经济学院;中国银行总行;
【基金】：北京市哲学社会科学规划项目(项目批准号:12JGC092) 国家社科基金重大项目(项目批准号:13&ZD042)的资助
【分类号】：F323.89;F842.684

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