医疗保险个人账户发展路径研究
发布时间：2019-06-25 11:10
【摘要】：医疗保险个人账户的建立顺应了公费医疗、劳保医疗改革的需要,但无论是从公平视角还是效率视角,医疗保险个人账户的实施都没有发挥其应有的作用,存在互济性不足、不同群体个人账户享有差异大、缺乏良好的约束机制、基金积累沉淀多、管理成本高等问题。对此,弱化个人账户功能,逐步取消医疗保险个人账户制度势在必行。
[Abstract]:The establishment of individual accounts of medical insurance conforms to the needs of public medical care and labor insurance medical reform, but from the perspective of fairness or efficiency, the implementation of individual accounts of medical insurance has not played its due role, there is a lack of mutual benefit, different groups of individual accounts enjoy great differences, lack of good restraint mechanism, fund accumulation and precipitation, high management costs and so on. In this regard, it is imperative to weaken the function of individual account and gradually cancel the personal account system of medical insurance.
【作者单位】： 武汉大学社会保障研究中心;
【基金】：教育部人文社会科学重点研究基地重大项目“社会保障精算研究”(11JJD840017) 中央高校基本科研业务费专项资金项目“基于长期精算平衡的社会保险研究”(2015115010201)
【分类号】：R197.1;F842.684
[Abstract]:The establishment of individual accounts of medical insurance conforms to the needs of public medical care and labor insurance medical reform, but from the perspective of fairness or efficiency, the implementation of individual accounts of medical insurance has not played its due role, there is a lack of mutual benefit, different groups of individual accounts enjoy great differences, lack of good restraint mechanism, fund accumulation and precipitation, high management costs and so on. In this regard, it is imperative to weaken the function of individual account and gradually cancel the personal account system of medical insurance.
【作者单位】： 武汉大学社会保障研究中心;
【基金】：教育部人文社会科学重点研究基地重大项目“社会保障精算研究”(11JJD840017) 中央高校基本科研业务费专项资金项目“基于长期精算平衡的社会保险研究”(2015115010201)
【分类号】：R197.1;F842.684
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