With the continuous improvement of the urban and rural medical insurance system, the new agricultural cooperation is one of the important guarantees, which has brought a lot of benefits to the majority of farmers.
However, as time went on, the cost of NCMS also increased, which put pressure on many farmers.
In rural areas, the medical expenses of NCMS have become the focus of farmers' attention year by year.
Deng Hongying, a deputy to the Yunnan Provincial People's Congress, recently pointed out that the increase in the cost of the new agricultural cooperative system far exceeds the increase in farmers' incomes, which has brought tremendous economic pressure to farmers.
This problem not only affects the enthusiasm of farmers to participate in medical insurance, but also may lead to poverty due to illness and bring a heavy burden to families.
1. The cost of NCMS continues.
Some people may think that it is very affordable to only pay 380 yuan a year to be able to enjoy medical insurance services.
But let's not forget that it is aimed at the peasant masses, not the middle and upper income groups.
For the low-level farmers, the annual medical insurance cost of 380 yuan is really not low, and it is even a little unbearable.
According to the data, in the past ten years, rural medical premiums have increased from 60 yuan in 2014 to 380 yuan in 2024, an increase of 533 times.
During this 10-year period, the increase in peasant incomes was only 295 times.
In other words, the cost of health insurance is growing faster than farmers' incomes. Under such circumstances, the cost of medical insurance will inevitably bring a heavy economic burden to farmers.
For many rural families, the cost of NCMS has become a significant expense, and even puts them in a dilemma.
It's another huge expense.
If you don't pay it, it will be difficult to bear the medical expenses once you get sick.
Second, the pressure of payment affects the enthusiasm of insurance.
The persistence of NCMS costs** has led to an increased burden on many households. This has become a serious problem, especially for those peasant families with lower incomes.
380 a year for a person may not seem like much, but it can be put into a family.
The number of people in an ordinary three-generation rural family is about five, and this is in the case of only children.
Farmers do not have a pension, and it is difficult for them to find a job even if they reach a certain age.
If they want to pay for health insurance, they can only hope for young people, and this will undoubtedly cause huge financial pressure on young people.
There is an old one on the top, and a small one on the bottom. In order to alleviate financial pressure, some families can only pay for health insurance selectively, giving priority to the elderly and children, while young people may choose not to participate in health insurance.
This practice of selective contributions undoubtedly increases the risk of poverty due to illness in the family.
Third, the medical service guarantee is not in place.
In addition to the pressure of payment, Deng Hongying also pointed out the problem of insufficient medical service protection.
She said that some primary medical institutions have problems such as incomplete allocation of commonly used drugs and excessive drug quality.
At the same time, some commonly used drugs are limited to hospital-level use and cannot be included in the medical insurance reimbursement, resulting in the masses not enjoying the treatment of medical security.
These problems not only increase the medical burden of farmers, but also affect their medical experience and health security.
Fourth, solutions and countermeasures.
In view of the cost of NCMS, Deng Hongying put forward the following suggestions:
First, we need to optimize the financing mechanism.
It is suggested to optimize the financing mechanism as a whole, and explore the establishment of a dynamic adjustment mechanism that is compatible with the regional per capita disposable income.
This will reduce the burden on farmers to pay premiums and make it easier for them to participate in health insurance.
At the same time, we should increase financial investment in rural medical insurance, increase the proportion and scope of medical insurance reimbursement, and reduce the actual medical expenditure of farmers.
Second, strengthen the supervision of medical services.
* Supervision of medical institutions should be strengthened, medical services should be standardized, and arbitrary charges and excessive charges should be prevented.
Establish and improve the medical service supervision mechanism and medical integrity system, improve the professionalism and sense of responsibility of doctors, and reduce the burden of medical expenses on farmers.
Third, improve the training of grassroots health personnel.
Intensify the training and introduction of grassroots health personnel, and improve the treatment and career development opportunities of grassroots doctors.
Through the training and training of grassroots health personnel, medical schools and medical institutions are encouraged to actively participate in improving the level of medical services for grassroots doctors, so as to improve the medical conditions and health security of farmers.
Fourth, strengthen publicity and education.
Strengthen education and education for farmers to understand the importance of NCMS and how to participate.
Through various channels and **, we will popularize medical insurance knowledge to farmers and improve their awareness and enthusiasm for participating in insurance.
* Regular announcements of medical insurance policy adjustments and reimbursement can be made to increase transparency and make farmers more trusting and dependent on the medical insurance system.
Fifth, explore diversified security models.
Encourage social forces to participate in the development of rural medical and health undertakings, and explore diversified security models.
Through the introduction of social capital and market mechanisms, we will promote competition and cooperation in rural medical and health services, and improve the quality and efficiency of services.
* Supervision and guidance should be strengthened to ensure that the diversified security model can truly benefit the farmers.
V. Conclusion. In the political arena of our country, there is always a group of lovely people who are among the people, listen to the voices of the people, and convey the wishes of the people.
There is no doubt that Deng Hongying, a deputy to the National People's Congress, is one of them.
Deputy Deng Hongying's views and suggestions reflect the aspirations and demands of the broad masses of peasants.
It is precisely because of deputies like Deng Hongying that we can have a deeper understanding of the actual needs of the masses of the people and provide effective support for solving practical problems.
Please remember the name of "Deng Hongying", she has fulfilled the duties and missions of the people's representative with practical actions and brought tangible benefits to the people.