Medical insurance is getting more and more expensive, farmers would rather have no money to see a doctor, and don't want to pay medical insurance anymore, there is a recent data, last year there were more than 25 million people in the country to pay urban and rural residents medical insurance, and urban and rural residents medical insurance is different from employee medical insurance, are flexible employment groups, most of them are farmers, and according to the data released by the Medical Insurance Bureau, from 2019 to 2020, the number of urban and rural residents participating in medical insurance has shown an accelerated trend, which means that under the premise of no human intervention, In the future, more and more people may stop paying urban and rural medical insurance.
But logically speaking, medical insurance is a kind of social welfare, especially for farmers with lower incomes, why would they prefer to have no money to see a doctor than stop paying? According to Li Ling, director of the China Health Development Research Center, it has a lot to do with the medical insurance system itself, and he believes that there are at least three problems in the domestic medical insurance system:
1. There are problems in the financing system, that is, in terms of fees, China's resident medical insurance adopts fixed financing, and residents pay a fixed amount according to capitation, but the problem is that there is a big gap in the income level of residents in different regions, the same premium, people with different incomes, the burden is also different, Li Zhen, a professor at the Chinese People's University, has calculated in the article that the payment burden of low-income people is 10 times that of high-income people, which directly leads to many farmers being emotionally resistant to buying medical insurance, Why do I earn so much less than you, and I still pay the same amount of money for medical insurance as you? At the same time, Li Zhen also pointed out that many rural elderly people now have no labor force and are simply unable to pay medical insurance. to save family expenses, so for this part of the group that has no ability to work and no income, Li Zhen believes that medical insurance should be made up from the local level.
2. There are problems in the reimbursement of medical insurance, in the past 20 years, although the cost of medical insurance has been increasing, but the reimbursement ratio has never been increased, so many people feel that it is very cost-effective, and medical insurance has a starting line, may only be used if you are hospitalized, usually you have to pay out of pocket for a small problem of cold and fever, and even if you catch up with a serious illness to be hospitalized, sometimes the township hospital can not cure it and have to go to a big hospital, the reimbursement ratio has been reduced a lot, and finally you have to pay a lot of money, so many farmers have a mentality, I'd rather be sick and have no money to see than spend money to pay for medical insurance every year.
3. There are problems in the medical system, in Li Zhen's view, at present, most hospitals are still the more patients the more profitable the hospital profit model, the hospital needs to generate its own income, in order to pay wages to employees, pay bonuses and meet the development of the hospital itself, when individual hospitals face greater operational pressure, they will unconsciously pass on the operating costs to the patients through unreasonable medical expenses, and residents with low economic levels will be more affected, so farmers often find that as long as they use medical insurance, Hospitals may recommend more expensive medical options and prescribe more expensive medicines, which will end up costing more.
The good news is that, according to Professor Li Zhen, in fact, the state has noticed the above problems, and how to adjust the medical system scientifically and fairly is also crossing the river by feeling the stones, and testing while adjusting. I believe that the medical system in the later stage will be more perfect and more down-to-earth!
**Author Build Plan I'm going to make headlines