完善居民医保筹资机制的思路和建议  

Policy Suggestions on Improving the Financing Mechanism of Medical Insurance for Urban Resident

作　　者：王宗凡[1] 张兴[1] 

机构地区：[1]人力资源和社会保障部社会保障研究所,北京100029

出　　处：《中国医疗保险》2015年第9期9-12,共4页China Health Insurance

摘　　要：居民医保没有稳定的筹资增长机制构成了制度可持续发展的隐忧。当前,需要基于社会保险原则来完善居民医保筹资机制,逐步将定额筹资转变为以居民收入为基数、按比例缴费,同时增加个人缴费的比重,将财政和个人的筹资分担比调整到合理水平。Since there is no stable mechanism for financing growth in the medical insurance system for urban resident, it has brought potential damage in the sustainable development of the system. It is urgent to improve the financing mechanism in the medical insurance system for urban residents based on the principle of social insurance. We need gradually shift the fixed financing model to the model of income-based proportional financing. In addition, we also need to increase the proportion of individual contributions, and adjust the share ratio of government financing to personal financing to a reasonable level.

关 键 词：定额筹资 按比例缴费 筹资增长机制 

分 类 号：F842.684[经济管理—保险] R197.1[医药卫生—卫生事业管理]