The disruption of health insurance is serious, no joke
Introductory. Medical insurance is an important insurance system that benefits the country and the people. However, in recent years, many people have chosen to stop paying for Medicare. There are reasons for this that cannot be ignored. On the one hand, the cost of medical insurance is ** year by year, and for a large rural family, it does not seem cost-effective to pay a few thousand yuan for medical insurance. On the other hand, many people are skeptical about the effectiveness of medical insurance, believing that they have not been hospitalized for many years and do not need medical insurance.
In addition, there are people who have lost health insurance** because of broken promises, which has further undermined public confidence in health insurance. However, we should be clear that the importance of health insurance is not only reflected in the reimbursement ratio, but more importantly, to protect our future medical needs. Although there are some problems with health insurance at the moment, we must take it seriously and support it.
Termination of health insurance due to increased financial costs.
Over time, the cost of health insurance has become a major factor in the cessation of contributions. Especially in rural areas, where family incomes are low, and having to pay thousands of yuan a year for medical insurance is a big burden for them. Farmers' economic income is mainly from planting crops, and their income is unstable and difficult to bear the high cost of medical insurance. Taking the net income of farmers per mu of land as an example, in most cases it is only about 500 yuan, and a few members of a family need to pay more than 2,000 yuan a year for medical insurance, which is equivalent to their labor income for several years. This economic pressure has led farmers to consider the possibility of no longer paying for health insurance.
In addition, there is also a phenomenon of illegal use of medical insurance in some places**. Some local councils or village committees collect medical premiums from farmers but do not hand them over to the medical insurance department, resulting in farmers finding that they do not have medical insurance when they need to use medical insurance. This kind of dishonest behavior has seriously affected farmers' trust in medical insurance, and it is also one of the main reasons why farmers stop paying medical insurance.
Doubts about the effectiveness of health insurance have led to interruptions in contributions.
Farmers who have never been hospitalized often take the risk of buying health insurance because they believe that they have always been in good health and do not need to buy health insurance. What's more, for some low- and middle-income groups, the reimbursement rate of medical insurance is not high, and only part of the expenses can be reimbursed. For example, if a hospitalization costs 100,000 yuan, the medical insurance can only reimburse 40,000 yuan, and the remaining 60,000 yuan needs to be borne by the individual. For farmers, these costs are unaffordable, so they feel that buying health insurance doesn't really help them.
In addition, the cost of health insurance has also heightened doubts about its effectiveness. For example, the cost of health insurance will rise to $380 per person per year in 2023, with the potential to rise again to $410 in 2024. For some self-employed, these fees may seem prohibitive and not cost-effective. When faced with a choice, they often take into account their financial realities and health care needs and ultimately decide to stop paying for Medicare.
Right"No need to pay"Pension concerns can also affect the choice of health insurance.
Another important reason why some people stop buying health insurance is that they are skeptical about pension insurance. In many places, pension insurance is paid by individuals, and pension insurance premiums that are not used at the end of the year will be canceled, so many people think that it is"Waste"。If you add to this the continuous increase in medical insurance costs, people will feel that once they pay the medical insurance premiums, they will not be reimbursed for minor illnesses and cannot afford to pay for major illnesses. As a result, they choose not to buy health insurance and wait until they become seriously ill to evaluate their condition and consider whether to buy health insurance.
Conclusion. Health insurance is an important social security system that is important for our health and future. While there are some problems with Medicare at the moment, we can't let that stop us from giving it up. First, we should encourage** measures to stabilize the cost of health insurance to reduce the financial burden on low- and middle-income groups. Second, we must strengthen the supervision of medical insurance to ensure that every penny is spent on protecting the health needs of the people. Finally, we should also strengthen our understanding of medical insurance, reasonably choose the type of insurance that suits us, and apply for medical insurance according to our own economic ability.
In conclusion, health insurance exists not only to meet current medical needs, but also to safeguard our future health. Buying health insurance is a wise choice, and we can't afford to lose sight of its value and significance because of individual issues. It is hoped that with the joint efforts of all parties, the medical insurance system can be continuously improved to better meet the health needs of the people.