In the past few days, Yunnan Province held the 14th People's Congress, and Deng Hongying, a representative of the National People's Congress, spoke out for the payment of medical insurance for rural residentsThe amount of payment has increased from 60 yuan in 2014 to 380 yuan in 2024, an increase of about 533 times, while the salary level for 10 years** is about 295 times, the difference between the two increases is large, and the payment has become a greater pressure on our rural families, which has also led to the idea of selective payment for some families, such as the election of the elderly to pay the fee.
In addition to the increase in individual payment, the lack of protection of primary medical services and the rapid growth of medical expenses are also the reasons for affecting the enthusiasm of the masses to pay. There are incomplete preparations of commonly used drugs in primary medical institutions, and some drugs that need to be used can only be purchased at pharmacies at their own expense. At the same time, some commonly used drugs are limited to hospital-level use and have not been included in medical insurance reimbursement, and the masses cannot enjoy the treatment of medical security.
Deputy Deng Hongying's speech quickly aroused strong resonance among the majority of netizens, and many netizens gave Deng Hongying a thumbs up, saying that Deng Hongying finally spoke out what was in her heart.
Indeed, the individual payment of medical insurance, from the initial stage of the establishment of the individual to pay 10 yuan, all the way to the current individual payment of 380 yuan, a full 38 times, but the reimbursement ratio has been stagnant for many years. Many people also reflect that seeing a doctor after having medical insurance is more expensive than before, and the cost of going to a doctor without medical insurance may be three or five hundred, and now it will cost **100 after going to see a doctor after medical insurance, and in the face of the amount of payment year by year, many low-income people have no choice to abandon insurance, and the number of medical insurance participants is also decreasing year by year, with the largest number of people paying in 2019, with 102483 10,000, but in 2022, the number of insured people will only be 983.49 million, a decrease of 41.34 million compared with the peak period.
Medical insurance payment has become a pressure for most low-income people in rural areas, and the number of people who abandon insurance may increase.
So, why can't the medical insurance payment be realized if the reimbursement is not made in the year of insurance, and the payment is free in the next year?
Technically, this is not difficult to achieve, now is the era of big data, whether you have used medical insurance in the year of insurance, it is easy to find out, but so far it has not been realized, I think there may be the following reasons.
First, the medical insurance expenditure is huge, and there is no balance. Second, there is a surplus, but the surplus is used to subsidize part of the cost of the policy subsidy for the insured population in the coming year. The third is that I don't want to.
There is an immature suggestion for this, you can set a time, for example, the insured has paid for 2 consecutive years, has not used the medical insurance reimbursement, the third year can be renewed for free, if the third year has not used the medical insurance, then continue to renew the insurance for free, if the medical insurance reimbursement has been used halfway, then the next year of insurance will be charged. Or you can formulate a set of standards similar to car insurance, the more medical insurance is used, the premium will be appropriately raised, if it has not been used, the cost of insurance will be discounted, I think this should promote more people to participate in medical insurance.