As the most widely used medical insurance system in rural areas, NCMS has played an important role in reducing the medical burden of farmers and preventing them from returning to poverty in batches. However, with the passage of time, farmers' willingness to pay has gradually weakened, and more people have chosen to stop paying individual contributions to NCMS, and the number of contributors has dropped significantly in recent years. The main reason behind this is the disconnect between peasant income and contributions. In the past, the annual fee of 10 or 20 yuan was relatively low and could be afforded by peasant families. However, as economic conditions continued to deteriorate, farmers' incomes did not increase in tandem. Nowadays, the minimum individual payment for NCMS is 380 yuan per person, and in some areas it is even as high as 500 yuan per person. Compared with the income of the peasants, the increase in contributions by forty or fifty times is too much for them to afford.
It is worth noting that the decline in farmers' incomes is not only caused by the epidemic and other factors, but more importantly, the development of rural economy is lagging behind, and agricultural income cannot be effectively increased. Therefore, increasing farmers' income and accelerating rural revitalization will be an important way to solve farmers' difficulties in payment.
People pay for medical insurance in order to be able to get the necessary medical treatment when they are sick and reduce the burden of medical care. However, NCMS has not achieved this goal. Many people who use NCMS medical insurance have a deep understanding that medical expenses have not decreased due to the increase in individual medical insurance contributions, but have been increasing every year.
Phenomena such as over-treatment, robotic treatment, and treatment of minor illnesses have led to rising medical costs. In the past, the average cold only cost thirty or fifty yuan, but now with medical insurance, not only does the cost not decrease but increases, and may even increase to several hundred yuan, thousands of yuan or even higher. This has led to doubts about the significance of NCMS. Even though NCMS has now been merged with urban medical insurance to form basic medical insurance for urban and rural residents, medical costs still continue**. Problems such as excessive medical treatment and false medical treatment have caused medical costs to accumulate, making it difficult for patients to see a doctor regardless of whether they have medical insurance or not. In this case, it becomes an unavoidable option to stop paying personal health insurance premiums.
NCMS is a loss for many people. Every year, farmers need to pay hundreds of yuan in premiums, and the state will provide corresponding financial subsidies. However, farmers pay an annual fee regardless of whether they use health insurance or not, and they do not see any return. The NCMS medical insurance account has zero balance every year, and there is no reduction or exemption for farmers' contributions, but additional contributions are required every year. This makes people wonder, all these funds have gone?
More people are paying for health insurance than those who use health insurance. Especially the young and middle-aged people, they don't dare to get sick easily every day except for work to make money. Even if you encounter some minor illnesses, you will choose to be patient or just buy some medicine to deal with it. Their annual cost of medicine is even less than that of individual NCMS. For these people, continuing to pay for health insurance has lost its meaning.
Some claim that today's NCMS is actually subsidizing the poor for the rich. Due to the merger of urban and rural medical insurance, urban residents often see a doctor more frequently than rural residents, and rural residents are constrained by transportation, accommodation, economic and other factors, and rarely go to the county seat to see a doctor. As a result, farmers use medical insurance less often, and poor people use medical insurance less frequently, so who does these payment funds go to?Obviously, NCMS is more about making the poor pay for the rich.
To sum up, behind the increase in farmers' non-payment has exposed four major problems in the NCMS medical insurance, namely, the disconnection between income and payment, high medical expenses, annual clearance, and the increase in the number of people who do not need it. To solve these problems, the most fundamental way is to speed up rural revitalization, realize the rapid prosperity of farmers, and increase the economic income of farmers. Only in this way can we truly alleviate the difficulties of farmers' medical insurance payment and ensure the sustainable development of the medical insurance system.
Article summary: At present, the NCMS medical insurance is facing more and more farmers' payment interruptions. This exposes four major problems: the disconnect between income and contributions, high medical costs, and the increase in the number of people who cannot use it every year. The income of farmers cannot keep up with the medical insurance costs, which leads to increased difficulties in payment;Medical insurance has not reduced the medical burden of farmers, but the medical expenses have continuedThere is no return on the individual payment of farmers, and it is cleared every year;Young and middle-aged farmers rarely need to use health insurance, resulting in unfair contributions. To solve these problems, it is necessary to speed up rural revitalization, increase farmers' incomes, and realize the rapid prosperity of farmers. Only in this way can we truly solve the difficulties of farmers' medical insurance payment and ensure the sustainable development of the medical insurance system.