| 摘要: |
| 经济进入中高速增长的新常态、城镇职工医药费用负担依然较重、城镇职工基本医疗保险需要精准化管理这三个背景决定了“十三五”期间科学地厘定缴费率成为推进城镇职工基本医疗保险制度改革的最重要内容。论文构建了城镇职工基本医疗保险适度缴费率确定的动态模型。测算结果表明，“十三五”期间，如果保持现有统账结合的财务制度不变，城镇职工基本医疗保险可以把缴费率由8%降低为7.9%。如果取消城镇职工基本医疗保险个人账户把财务制度完全变成现收现付的社会统筹账户，城镇职工基本医疗保险可以把缴费率由8%降低为7%。 |
| 关键词: |
| DOI： |
|
| 基金项目: |
|
| A Dynamic Model on Determining the Appropriate Premium Rate for Basic Medical Insurance of Urban Employee and the Calculation of Reduction to Current Premium Rate for Basic Medical Insurance of Urban Employee in the Period of the 13th Five- |
|
| () |
| Abstract: |
| Three backgrounds, including the new normal of economic growth shifted into medium-to-high in speed, the heavy burden to urban employees for health expenditure, and targeted administration to basic medical insurance of urban employee (BMIUE) , made that calculation to appropriate premium rate scientifically is the most important content for promoting the reform to BMIUE in the period of the 13th Five-year Plan. The paper developed a dynamic model on determining the appropriate premium rate for BMIUE. The results of calculation showed that in the period of the 13th Five-year Plan, if keeping the current financial institutional arrangement named individual account and social pooling constant, the current premium rate for BMIUE can be cut from 8% into 7.9%. If cancelling individual account and letting financial institutional arrangement be pay-as-you-go system of social pooling completely, the current premium rate for BMIUE can be cut from 8% into 7%. |
| Key words: |
