Recently, the decline in the number of urban and rural residents participating in medical insurance has attracted widespread attention, and by the end of 2022, there was a decrease of 25.17 million compared with the end of 2021. There are economic factors behind this phenomenon, which has led to a discussion about the disparity in medical insurance treatment. In this context, the voice of putting forward the policy proposal of "compulsory insurance" is also getting louder, and it is worth pondering whether this is feasible.
First, we need to pay attention to the rising cost of health care. With the continuous advancement of medical technology, medical expenses have become a burden for urban and rural residents year by year. Some families or individuals choose to forgo health insurance and use their limited income for more urgent expenses. This reflects the pressured choice that individuals have to choose between health care and other expenditures in the current economy.
Second, the income gap between urban and rural areas is another important reason for the decline in the number of insured people. The city's high cost of living contrasts sharply with limited health insurance benefits, leading some residents to believe that health insurance does not provide adequate coverage. In this case, more people may choose to pay for their own health care rather than participate in the health care system.
In response to the decline in the number of medical insurance people, Wang Chaoqun of Central China Normal University put forward a policy proposal of "implementing compulsory insurance". However, there are a number of problems with this proposal at the economic level. First, compulsory participation means interference with the free choice of individuals, which can lead to social discontent. Secondly, how to ensure the improvement of medical insurance treatment to meet the expectations of the insured is an issue that cannot be ignored in the implementation of the policy.
In my opinion, to solve the problem of declining number of people enrolled in medical insurance, we should start by improving the attractiveness of the medical insurance system. First of all, it can reduce the burden of the insured and improve the enthusiasm of the insured through tax incentives and other means. Secondly, we should increase investment in medical insurance** to ensure the improvement of medical insurance treatment. In this way, residents can really feel the substantial improvement of protection in the insurance participation, thereby increasing their trust in medical insurance.
Kunpeng Project
Taking a city as an example, ** through the introduction of tax reduction and exemption policies, the insured can enjoy the corresponding tax reduction and exemption when paying medical insurance fees, which effectively reduces the economic burden of residents. At the same time, the medical insurance benefits have also been gradually improved, including the increase in reimbursement ratios and the expansion of coverage. The results show that the number of insured people has increased significantly in a short period of time, and the enthusiasm of residents to participate in medical insurance has increased significantly.
In order to further improve the attractiveness of medical insurance, it can also be considered to strengthen cooperation with medical institutions and reduce the cost of medical services through negotiation or contract, so as to reduce the burden of medical insurance and ensure that insured people can enjoy more affordable medical services. In addition, the establishment of a more transparent and fair medical insurance reimbursement mechanism to ensure that the insured understand the level of medical expense reimbursement will help improve the credibility of the medical insurance system.
In addition to policy and economic measures, it is also important to cultivate residents' awareness of health insurance. ** Through publicity and education activities, the medical insurance policy can be explained in simple terms, so that residents can better understand the actual benefits of medical insurance. At the same time, with the help of the best platform, share real medical insurance stories and cases, so that more people can feel the warmth and help of medical insurance.
In the process of increasing participation in medical insurance, it is also necessary to guide residents to establish a correct concept of medical consumption, rationally use medical resources, and avoid abuse of medical services. At the same time, strengthen the social supervision mechanism to ensure the rational use of medical insurance and maintain the steady operation of the entire medical insurance system.
The decline in the number of urban and rural residents participating in medical insurance is a complex problem, involving multiple levels such as economy, society and policy. Compulsory enrollment may be a means, but in practice it can lead to a series of problems. A more feasible solution is to start from the economic and policy levels, by reducing the burden on residents, improving the treatment of medical insurance, and gradually improving the attractiveness of medical insurance, so that more residents can truly feel the role of medical insurance, so as to increase the participation rate. Such measures would not only address the current decline in the number of insured people, but also contribute to a more robust social security system.