城镇职工医保适度缴费率确定的动态模型及“十三五”期间现有缴费率降低测算  

Dynamic Model on Determining the Appropriate Premium Rate for Basic Medical Insurance of Urban Employee and the Calculation on Reduction to Current Premium Rate for Basic Medical Insurance of Urban Employee during the Period of the 13th Five-year Plan

作　　者：贾洪波[1] 

机构地区：[1]北京航空航天大学社会保障研究所,北京100191

出　　处：《中国卫生经济》2018年第1期51-53,共3页Chinese Health Economics

基　　金：2012年辽宁省社科基金项目(L12DSH019);2013年国家社科基金一般项目(13BRK002);2014年国家社科基金一般项目(14BRK020)

摘　　要：目的:研究城镇职工医保适度缴费率确定的动态模型及对"十三五"期间降低现有缴费率进行测算。方法:构建数理模型对研究对象进行研究。结果:有8个参数共同决定城镇职工基本医疗保险适度缴费率。结论:"十三五"期间,如果保持现有统账结合的财务制度不变,城镇职工基本医疗保险可以把缴费率由8%降低为7.9%。如果取消城镇职工基本医疗保险个人账户,城镇职工基本医疗保险可以把缴费率由8%降低为7%。Objective： Study the dynamic model on determining the appropriate premium rate for basic medical insurance of urban employee（BMIUE） and the calculation of reduction to current premium rate for BMIUE in the period of the 13th Five-Year Plan. Methods： It developed a quantitative model to explore the objective. Results： There were 8 parameters all determined the appropriate premium for BMIUE. Conclusion： The results of calculation showed that in the period of the 13th Five-Year Plan, the current premi- um rate for BMIUE could be cut from 8% into 7.9% if keeping the current financial institutional arrangement named individual ac- count and social pooling constant. If cancelling individual account, the current premium rate for BMIUE could be cut from 8% into 7%.

关 键 词：城镇职工基本医疗保险 适度缴费率 动态模型 降低现行缴费率 

分 类 号：R1-9[医药卫生—公共卫生与预防医学] F840.613[经济管理—保险]