Introduction:In recent years, the amount of medical insurance contributions for urban and rural residents has continued to increase, which has brought huge economic pressure to the majority of farmers. From 2023 onwards, the minimum amount of medical insurance contributions borne by urban and rural residents will be increased again, further increasing the burden on farmers. Under such circumstances, it is necessary to alleviate the economic pressure on farmers by adjusting payment standards, increasing financial subsidies and introducing preferential policies.
Medical insurance for urban and rural residents is a system established to ensure that low-income people have access to basic medical security. However,The amount of personal contributions has caused dissatisfaction and distress among the majority of farmers. According to the data, from 2009 to 2023, the amount of individual medical insurance contributions for urban and rural residents has increased from 10 yuan per person per year to 380 yuan per person per year, an increase of 38 times. This has put even heavier economic pressure on farmers, who are already living in difficulty.
1. The amount of medical insurance contributions for urban and rural residents has been paid for consecutive years**
Since 2010, the amount of medical insurance contributions for urban and rural residents has continued to be sustained**. According to statistics, as of 2023, individual farmers need to pay 380 yuan per year for medical insurance, an increase of 370 yuan compared with 10 yuan in 2009. Such an increase is a huge burden for low-income farmers.
Second, the economic pressure on peasants has intensified
The amount of individual medical insurance contributions for urban and rural residents has brought heavy pressure to the economic situation of farmers. Taking a village as an example, the per capita annual income of farmers in this village is about 150,000 yuan, family expenses include food, education, housing and other expenses. If a family of four participates in medical insurance, the annual medical insurance fee needs to reach 2,800 yuan, accounting for nearly 20% of the family's annual income. For such families, the increase in medical insurance costs has undoubtedly brought a greater burden to their lives.
Third, it leads to a decline in enthusiasm for insurance
The amount of medical insurance contributions for consecutive years has also led some farmers to choose to give up insurance or turn to commercial medical insurance, which in turn leads to the risk of reducing medical insurance. In one city, for example, the health insurance participation rate in rural areas of the city dropped from 90% in 2016 to 82% in 2022. The main reason why these farmers give up participating in insurance is the amount of contributions, and they feel that their personal burden is too heavy to bear.
Fourth, the solution
In order to alleviate the economic pressure on farmers and improve the fairness of medical insurance, we can take the following measures:
1.Adjustment of individual payment standards:On the premise of ensuring the stability of medical insurance, the individual payment part should be appropriately adjusted to reduce the economic burden of farmers. For example, farmers with lower incomes can be given a certain reduction in contributions.
2.Increase financial assistance:Increase financial subsidies for medical insurance for urban and rural residents, ensure the sustainable development of the medical insurance system, and reduce the pressure on farmers to pay.
3.Preferential policies have been introducedDrawing on the commercial insurance model, farmers who have been insured for many years and have not suffered major illnesses can be given certain preferential treatments, such as reducing the proportion of contributions or extending the insurance period.
5. Calculation examples
For example, a farmer family has four members and each person needs to pay 380 yuan per year. If the annual household income is 150,000 yuan, then the proportion of medical insurance expenses to the annual family income is 253%。If the individual payment standard is adjusted to 100 yuan, the proportion of medical insurance expenses will be reduced to 15%, which reduces the financial pressure on the family.
Conclusion:
Medical insurance for urban and rural residents is a system established to ensure that low-income people have access to basic medical security, which requires our joint attention and maintenance. For the amount of medical insurance contributions for consecutive years, we should alleviate the economic pressure on farmers by adjusting the payment standards, increasing financial subsidies and introducing preferential policies. At the same time, it is necessary to strengthen supervision to ensure the rational use and management of medical insurance funds, and improve the fairness and sustainable development of the medical insurance system. Only in this way can we better protect the basic medical rights and interests of farmers, achieve the goal of universal health and promote rural economic and social development.
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