China issued the guiding opinions on the reform of basic medical insurance system for urban employees in April 2021.In order to explore the specific benefit situation of this reform,this study,based on granting the personal account funds of urban employees'basic medical insurance with private attribute,calculates the self-payment burden and its change amplitude of different income groups and insured groups before and after the reform by adopting simulation analysis method.The research indicates that the reform of urban employees'basic medical insurance system has increased the benefit degree of the insured illness population and has reduced self-payment burden;under different reimbursement amounts,deductible payment lines and reimbursement ratios,the lower the income of the insured groups,the greater the increase in their benefits;and under the same assuming conditions,the retirees benefit slightly more from the reform than the in-service employees.Based on these conclusions,such relevant suggestions are proposed as perfecting the design of payment and reimbursement processes for urban employees'basic medical insurance,further expanding the scope of personal account use and simplifying the process of family assistance.
关键词
城镇职工基本医疗保险制度改革/受益归宿/自费负担/政策模拟
Key words
reform of urban employees'basic medical insurance system/benefit destination/self-payment burden/policy simulation
维普
万方数据