医保“家庭共济”政策的问题与对策  

Problems and Strategies of"Mutual Assistance Between Family Members"Policy in Medical Insurance System

作　　者：李烨颍 潘雪雪 吴素雄[1] LI Ye-ying;PAN Xue-xue;WU Su-xiong(Wenzhou Medical University,Wenzhou Zhejiang 325035,China)

机构地区：[1]温州医科大学,浙江温州325035

出　　处：《卫生经济研究》2022年第2期19-22,共4页

基　　金：农村健康扶贫治理的结构、过程与政策体系研究(20BZZ045)。

摘　　要：当前,医保“家庭共济”政策的实践尚处于起步阶段,存在共济账户空虚、统筹区域割裂,统筹资金过剩、功能使用受限,信息建设滞后、实际操作脱节,忽视家庭需求、政策思路局限等问题。基于此,在推进“家庭共济”深度嵌入医保政策的实践中,要通过跨区域部门联动,落实医保资金使用,进一步改进医保补偿机制,建立健康保险关联机制,并构建多元政策生态,尽可能实现多数人的健康保障。At present,the practice of"mutual assistance between family members"policy in medical insurance system is still in its in-fancy.There are several problems faced by this policy,namely empty mutual assistance accounts,fragmented co-ordination areas,excess co-ordination funds,limited use of functions,lag in information construction,out of touch with actual operations,neglect of family needs,and the limitations of policy thinking.Based on these problems,this paper suggested that in the practice of promoting"mutual assistance between family members"deeply embedded in medical insurance policies,it is necessary to implement the use of medical insurance funds through cross-regional departmental linkages,further improve the medical insurance compensation mechanism,establish a health-related insurance association mechanism,build a diverse policy network,and realize the health protection of the majority.

关 键 词：家庭共济 医保个人账户 资金统筹 健康保障 

分 类 号：F840.684[经济管理—保险]