20 19 medical insurance gap

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20 17 new medical insurance policy

The news that retirees pay medical insurance just came out, and the increase in personal contribution rate came again.

In recent years, under the superposition of three factors: the sharp increase of medical expenses, the slow growth of medical insurance financing and the aging population, the medical insurance fund is facing unprecedented pressure on revenue and expenditure. The accumulated balance in many areas can't meet the requirement of "six to nine months" put forward by Ministry of Human Resources and Social Security.

The data shows that the increase of per capita financial subsidies for urban residents' basic medical insurance has been higher than the increase of per capita individual contributions in the past six years, which has increased the proportion of financial subsidies to the total per capita financing from 60.8% in 2009 to 79.3% in 20 14, and the ratio of financial subsidies to individual contributions is close to 4∶ 1. In 20 15 years, the government subsidy standard for urban residents' medical insurance is 380 yuan per person, and the individual contribution is not less than per person 120 yuan.

Jin Weigang, director of Ministry of Human Resources and Social Security Social Security Research Institute, believes that the current proportion of residents' medical insurance financing is unreasonable, and the growth of financing level mainly depends on finance. The proportion of financial subsidies in the whole financing ratio is too large, and the proportion of individual contributions is very small, which will lead to increasing pressure on medical insurance funds in the future.

In order to make up for the medical insurance gap, Finance Minister Lou Jiwei once wrote in Qiushi magazine that it is necessary to deepen the reform of the social security system, speed up the reform of the endowment insurance system, focus on improving personal accounts and adhere to actuarial balance, and establish an incentive and restraint mechanism for overpayment and a more transparent and understandable income and expenditure system. On this premise, we will realize the national overall planning of employees' basic pensions, allocate state-owned capital to enrich the social security fund, accelerate the development of supplementary old-age insurance, and establish a reasonable growth mechanism of basic pensions closely linked to the contribution of contributions. Reform the medical insurance system, establish a reasonable and sustainable medical insurance financing mechanism, study and implement the payment policy for employees' medical insurance retirees, establish an adjustment mechanism for medical insurance benefits commensurate with the level of financing, fully implement the serious illness insurance system for urban and rural residents, reform the payment method of medical insurance, integrate the basic medical insurance system, promote the de-administrative reform of public hospitals, and run township hospitals well in combination with new urbanization to truly establish an orderly pattern of graded diagnosis and treatment.

Among them, the research and implementation of the payment policy for employees' medical insurance retirees has aroused great concern. According to estimates, if retirees pay medical insurance, the average pension is the base. In this way, according to the standard of 20 15, the average contribution of retirees may be about 100 yuan per person per month.

In addition, many local governments explore and encourage residents to buy commercial insurance. In June 5438+February last year, the Ministry of Finance, the State Administration of Taxation and the China Insurance Regulatory Commission issued a notice to implement the personal income tax policy of commercial health insurance in 3 1 cities such as Beijing and Shijiazhuang, Hebei. The expenses of individuals purchasing eligible health insurance products in the pilot areas shall be deducted before individual income tax according to the limit standard of 2,400 yuan/year.