Are you in a short ** or other places, often hear many people say that the cost of medical insurance should be reduced, the reason is that the burden of the people is too heavy.
And it is true that many people have begun to abandon insurance, and they are even more justifiably shouting: You see, the excessive cost of medical insurance has deviated from the original intention of medical insurance, and has served the people at the bottom who are in urgent need of medical insurance.
I have to say that these remarks are indeed very sympathetic to everyone, and they are also very popular.
For this reason, I have conducted in-depth research and found that since 2019, the number of residents who have chosen to participate in insurance has indeed been decreasing. In 2020 alone, it decreased by 8.06 million, and last year it plummeted by more than 25 million.
I also checked the comments and replies of many people, and basically complained about the skyrocketing fees.
I also checked the specific data, taking the rural areas as an example, first there was the so-called New Rural Cooperative Medical System, and then it was merged with urban medical insurance to form today's urban and rural medical insurance. At the beginning of 2003, each person only had to pay a meager premium of 10 yuan; As of this year, the cost has reached 380 yuan, and it is even more expensive in some places. I also received a notice from our village committee last month: in 2024, the minimum pension insurance must be 400 yuan, and those who paid 300 yuan before must make up 100 yuan before they can vote.
Comparing the data, in the past 20 years, medical insurance has increased by as much as 38 times.
Another comparison is a comparison of wages over the past two decades. Twenty years ago, ordinary workers earned about 1,000 yuan a month, but today's situation, according to experts, the median income is 4,000 or 5,000 yuan, an increase of about five times.
Compared with the two, the increase in medical insurance does far exceed wage income. The people are complaining, and even have the intention of giving up. But I would like to advise you not to give up easily.
The reason is that whether it is urban or rural, health insurance is for the well-being of the people, and I believe this will not change and cannot change.
I still use data to illustrate that although we see that although the cost of medical insurance has increased, the reimbursement has also increased. At the beginning of NCMS in 2003, the reimbursement ratio was only 30 out of 5, and only township and county hospitals could reimburse. Today, the reimbursement ratio has reached 70%, and large hospitals can also reimburse the same amount. The number of drugs has also increased from more than 1,000 to more than 3,000.
In the past, medical treatment was limited, but now advanced technologies such as B-ultrasound, CT, and MRI have been popularized, and the rate of medical treatment has increased.
What's more, it should be noted that in fact, the subsidy occupies the main part of the medical insurance cost. In 2003, individuals paid 10 yuan, and the subsidy was 20 yuan; Now the individual pays 380 yuan, and the subsidy is 640 yuan. If you give up medical insurance, you also give up the subsidy of **.
More importantly, the disease can invade at any time, and once the disease is ill, it is difficult to cope with it with personal savings, and it is very likely that the disease will return to poverty.
In short, medical insurance is not a trivial matter, and whether to give up or not is related to everyone's quality of life. Therefore, I always warn my friends: medical insurance should not be abandoned, and subsidies should be cherished.
That's all I have to say, you know. If you have anything to say, you can also leave a comment to me.