| 引用本文: |
李雅诗,陈俊璇,邹冠炀.城乡居民基本医疗保险动态筹资机制构建研究*[J].中国卫生经济,2023,42(9):39-43,69.[点击复制] |
Li Yashi,Chen Junxuan,Zou Guanyang.Analysis on the Construction of Dynamic Financing Mechanism of Basic Medical Insurance for Urban and Rural Resi⁃ dents[J].CHINESE HEALTH ECONOMICS,2023,42(9):39-43,69.[点击复制] |
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| 摘要: |
| 目的：探索建立缴费负担公平、责任均衡的城乡居民医疗保险动态筹资机制。方法：基于可支配收入的定比制筹资机制建立精算模型，测算城乡居民医保基金运行的可持续性。结果：基于1.07%的个人缴费率与2.14%的政府补贴率的筹资机制能够保证居民医保基金平稳运行，累计结余率处于合理区间，预计2035年居民医保基金累计结余能维持17.60个月的支出，压力测试下能维持8.40个月的支出。同时，个人缴费额的增长处于合理区间，定比制的筹资机制具备可操作性。结论：建议建立省级统筹下的定比制筹资机制，居民缴费率实行渐进式改革。 |
| 关键词: 城乡居民基本医疗保险 筹资机制 精算模型 |
| DOI： |
| 投稿时间：2023-06-11 |
| 基金项目:国家社会科学基金重大项目 （20&ZD122） |
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| Analysis on the Construction of Dynamic Financing Mechanism of Basic Medical Insurance for Urban and Rural Resi⁃ dents |
| Li Yashi,Chen Junxuan,Zou Guanyang |
| (Guangzhou University of Chinese Medicine, Guangzhou, 510006 , China) |
| Abstract: |
| Objective: To explore the establishment of a dynamic funding mechanism for urban and rural residents’ medical in- surance with a fair burden of contributions and balanced responsibilities. Methods: It establishes an actuarial model based on the fi- nancing mechanism of the fixed ratio of disposable income to measure the sustainability of the operation of the basic medical insur- ance system for urban and rural resident fund. Results: The financing mechanism based on the individual contribution rate of 1.07% and the government subsidy rate of 2.14% can ensure the stable operation of the residents’ medical insurance fund in the medium term, and the accumulated balance rate is within a reasonable range. In 2035, the accumulated balance of the residents’ medical in- surance fund can maintain the expenditure of 17.60 months, and it can maintain the expenditure of 8.4 months under the pressure test. At the same time, the increase of individual contributions is within a reasonable range. The financing mechanism of fixed-ratio funding mechanisms is operability. Conclusion: It is suggested to establish a proportional financing mechanism under the provincial overall planning and implement gradual reform of residents’ contribution rate. |
| Key words: Urban-Rural Residents Basic Medical Insurance financing mechanism actuarial model |
