Why do residents' medical insurance premiums rise year after year?

The reasons for the increase in residents' medical insurance premiums are as follows:

1, the level of medical insurance benefits has been continuously improved. Gradually expand the scope of medical insurance reimbursement, increase the annual reimbursement limit, and constantly increase the types of reimbursable drugs, and constantly improve the level of medical insurance benefits for urban and rural residents. Only by appropriately raising the standards of individual contributions and state financial subsidies can the medical insurance benefits of all ethnic groups be fully guaranteed and the medical insurance system be sustainable.

2, urban and rural residents medical insurance fund expenditure increased year by year. With the improvement of people's living standards and the change of medical concept, the demand for medical treatment of people of all ethnic groups has gradually increased, and the requirements for medical services have become higher and higher. In recent years, the reimbursement times and expenses of medical insurance clinics for urban and rural residents have increased year by year, and the number of referrals and inter-provincial medical visits has increased. The level of medical institutions for medical treatment tends to be large hospitals and specialized hospitals, and the cost of medical treatment has doubled, greatly increasing the expenditure of medical insurance funds for urban and rural residents. If the income of the medical insurance fund is not increased, the fund will run out of money and the health of the whole people will not be guaranteed.

3. Draw lessons from the operation mode of commercial insurance, and introduce preferential policies for continuous insurance. In order to improve the enthusiasm of the insured, ensure that all insurance should be fully covered, and avoid the risk that the medical insurance fund can't cover its expenses, it is necessary to increase the medical insurance participation fee year by year.

Urban residents' medical insurance is a medical insurance system with urban minors and unemployed residents who have not participated in urban workers' medical insurance as the main participants. It is an important measure for the CPC Central Committee and the State Council to further solve the medical security problems of the broad masses of people and continuously improve the medical security system after implementing the basic medical insurance system for urban workers and the new rural cooperative medical system. Mainly to make institutional arrangements for medical insurance for urban non-employed residents. The appearance of this system is of great significance in the process of social insurance system reform in China, which points out the direction for the reform of social insurance system in China.

To sum up, the National Medical Insurance Bureau will guide all localities to continue to do a good job in medical insurance for urban and rural residents, consolidate the coverage of basic medical insurance, strengthen the research on the financing mechanism of medical insurance for urban and rural residents, balance the responsibility of individuals and governments to raise funds and pay fees, and gradually establish a stable and sustainable financing mechanism that is compatible with the level of economic and social development and the affordability of all parties to ensure the rights and interests of basic medical insurance for urban and rural residents.

Legal basis:

People's Republic of China (PRC) social insurance law

Article 9

The employer's nature, bank account, employment and other insurance information changes, as well as personal insurance information changes, the employer and individual shall promptly inform the social insurance agency. Social insurance agencies shall compare and verify the insured information provided by employers and individuals with the shared information.