Analysis of the decrease in the number of people enrolled in basic medical insurance and the reasons for it.
According to the National Health Insurance Administration, the number of people enrolled in basic medical insurance nationwide decreased by 17.05 million at the end of 2022. The reasons for the decrease are mainly divided into two parts: one part is due to the elimination of duplicate participants after the unification of the information system, and the other part is that residents choose to surrender the insurance independently.
Among them, the elimination of duplicate participants after the unification of the information system is a measure aimed at improving the efficiency of medical insurance management.
In the past, due to the dispersion of insured information in different departments and systems, there were cases of duplicate enrollment and multiple medical insurance reimbursements. Through a unified information system, these duplicate participants can be eliminated, which can not only improve the operational efficiency of the medical insurance system, but also reduce the waste of medical insurance.
The reasons for residents to choose to surrender their policies are more diverse. First of all, premium** is one of the important reasons for residents to surrender their policies.
In recent years, with the increase in medical costs and the aging of the population, the pressure on medical insurance has been increasing, and the medical insurance cost standard has to be adjusted. Some residents are unable to afford the high cost of medical insurance due to greater financial pressure, so they choose to surrender their insurance.
Secondly, some residents surrendered because they were in better health. They don't think they need to buy health insurance because they usually get sick less.
This group of residents usually has better living conditions and health Xi, and they are more inclined to solve their medical problems at their own expense.
In addition, the reasons for some residents to surrender are also related to the narrow scope of medical insurance benefits and skepticism about the medical insurance system. Some residents believe that the medical insurance system can only cover a part of common diseases and expenses, and for some rare diseases and high medical expenses, individuals still need to bear a large burden.
Some residents lack confidence in the health insurance system, and they doubt whether health insurance can truly protect their rights and interests.
In addition, some residents have chosen to participate in other health insurance. In some areas, residents may choose to enroll in a local health insurance plan or an in-house health insurance plan. These plans usually have lower premiums and broader medical coverage, attracting some residents to choose to surrender their insurance plans and enroll in other health insurances.
Policy recommendations and existing problems on the issue of residents' medical insurance surrender.
Faced with the problem of surrender of residents' medical insurance, the professor team put forward a series of policy suggestions. First, they suggested a mandatory enrollment in the basic health insurance for all residents. This has the advantage of ensuring universal and fair access to the health care system, and ensuring that every resident has access to basic health care. However, this measure may trigger resentment and resistance among some residents, who may see it as an intervention in the right to individual choice.
Second, raising the threshold for medical insurance is another policy recommendation. The threshold refers to the expenses that need to be paid by the individual before enjoying the reimbursement of medical insurance. Raising the threshold can reduce the cost of health insurance**, thereby easing the pressure on health insurance. However, if the threshold is set too high, it may cause a large financial burden on low-income residents, or even give up medical treatment because they cannot afford it.
The differentiated payment policy is also a measure to solve the problem of residents' medical insurance surrender.
According to the income level and family status of residents, different medical insurance rates and subsidy policies are formulated to ensure the fairness and sustainability of medical insurance. However, the implementation of differentiated payment policies may have management and enforcement difficulties, such as how to accurately assess residents' income levels and family status.
Strengthening the role of schools in insurance is another suggestion from the professor team. By strengthening the publicity and education of medical insurance in schools, students and parents will be able to improve their awareness and understanding of medical insurance, and increase their awareness and support for participating in insurance.
This will help to cultivate residents' trust and understanding of the medical insurance system and reduce the number of medical insurance surrenders.
Finally, improving the ability and enthusiasm of grassroots cadres to recruit is also an important policy recommendation. Grassroots cadres are the key personnel in the collection of medical insurance, and they are responsible for the payment of medical insurance for residents. Improving their ability to collect and motivate them can ensure the smooth development of medical insurance contributions. However, due to the high work pressure and relatively difficult working environment of grassroots cadres, their enthusiasm may be affected to a certain extent.
The reasons for the decline in medical insurance enrollment data and the problems of policy recommendations.
The National Health Insurance Administration believes that in the context of urbanization and population aging, the data of residents' medical insurance participation may have a downward trend. With the acceleration of urbanization and the increase of the elderly population, the insured population of medical insurance may face certain changes. There is some truth to this view, but the specific downward trend and causes require further research and analysis.
At the same time, the National Health Insurance Administration also emphasized that the rumors about employee medical insurance are untrue. Employee medical insurance is another important medical insurance system, which provides medical security for employees of various enterprises and institutions across the country. Some rumors that the employee medical insurance will be cancelled or reduced, causing some employees to feel uneasy. The National Health Insurance Administration clarified these rumors, emphasizing the safety and stability of employee medical insurance.
However, further research is needed on the causes and solutions to the decline in health insurance participation data.
* The academic community should strengthen research, gain an in-depth understanding of the reasons and attitudes for residents' medical insurance withdrawal, and formulate scientific and reasonable policy measures. In addition, it is also necessary to strengthen the publicity and education of the medical insurance system, improve residents' awareness and understanding of the medical insurance system, and enhance their awareness and support for participation.
Summary: In the context of the decrease in the number of people enrolled in basic medical insurance in the country, ** and the academic community need to deeply analyze and solve the problem of medical insurance surrender.
This requires taking into account factors such as personal financial pressure and health status, as well as the fairness and sustainability of the health care system. Policy recommendations include compulsory insurance participation, raising the threshold for medical insurance, differentiated payment policies, strengthening the role of schools in participating in insurance, and improving the ability and enthusiasm of grassroots cadres to collect. However, these measures may cause resentment and implementation challenges, and need further research and improvement. At the same time, it is also necessary to strengthen publicity and education to improve residents' awareness and understanding of medical insurance, and enhance their awareness of support and participation in medical insurance.