Recently, Peking University professor Li Ling's suggestion on the medical insurance system became popular, and she suggested that the medical insurance system must be reformed"Farmers over the age of 80 should not be asked to pay money".
This suggestion can be described as a stone that stirs up a thousand waves, and has been approved by many netizens.
Many netizens praised angrily, saying that this is a good expert who thinks about the people and can speak the truth for the people!
At present, China's medical insurance for urban and rural residents has gone through so many years of development, and the amount of payment is in the first year of the year, starting from the earliestIndividual payment is 10 yuan, and the state subsidy is 20 yuan,** to the presentIndividual payment is 380 yuan**, and the subsidy is 640 yuanIn the past few decades, individual contributions have increased by 38 times, and state subsidies have increased by 32 times. The money has increased so much, but the problem of expensive and difficult medical treatment for the people still exists. Therefore, every year, many urban and rural residents who participate in medical insurance consider whether to continue to participate in the insurance and whether they can not participate in the insurance.
Some people may think that 380 yuan a year is not expensive, but for many farmers, 380 yuan has to be their living expenses, especially some elderly people, who have no income, and it is difficult to support such expenses. So, can the expert suggestion that "farmers over 80 years old do not need to pay medical insurance" can be realized?
According to the seventh census of China in 2021, China's population over 80 years old has reached 35.8 million, even if these people do not need to pay, then 380 yuan per person per year, the country needs to increase expenditure by 13.6 billion yuan per yearThis cost is certainly affordable for the country at the moment, but whether it dares to do so is a question that needs to be discussedBecause in the long run, this approach faces certain difficulties
At present, China's demographic dividend is gradually disappearing, the problem of aging has become more and more obvious, the aging rate is accelerating, the degree of aging is deepening, and the proportion of the elderly population is getting higher and higher.
The most obvious impact on the medical security system is that the number of contributors to medical insurance will continue to decrease, and the number of people enjoying medical insurance will continue to increase, so the pressure on medical insurance will also increase. In this case,It is very difficult to implement the policy of "farmers over 80 years old do not need to pay medical insurance".
Therefore, the country's implementation of the delayed retirement policy is not only to consider the issue of pension insurance, but also to a certain extent to solve the dilemma that medical insurance will face.
At the same time, the state has begun to reform medical insurance in the past two years, some provinces have already implemented reforms in 2023, and some regional reforms have begun in 2024.
For example:Weifang City, Shandong ProvinceFrom January 2024, hospitalization, general outpatient services, and personal accounts have all been affected to a certain extent.
The good news is that the threshold for hospitalization has been lowered. The annual minimum payment standards for insured employees in first-level and below, second-level and first-class designated medical institutions are reduced by 100 yuan respectively to 300 yuan, 500 yuan and 800 yuan. The annual payment limit for general outpatient medical insurance has been increased. The annual payment limit for active employees has been raised from 1,600 yuan to 4,500 yuan, and for retirees from 1,800 yuan to 5,500 yuan.
What some people object to is the change in the policy of transferring medical insurance personal accounts. The province has unified the policy of assigning personal accounts of employees' medical insurance, specifically: all the personal payment funds of in-service employees are transferred to personal accounts; The personal account of retirees is allocated by the overall plan** according to the fixed amount, and the monthly quota for retirees under the age of 70 is 100 yuan, and the monthly quota for retirees aged 70 and above is 125 yuan. For many retirees, the amount of money credited to their personal accounts will be much smaller, so many people are not very satisfied.
To sum up, the recent policy of "farmers over 80 years old do not need to pay medical insurance" proposed by experts has been supported by the majority of netizens and can well reduce the burden of farmers, but with the deepening of China's aging population, there are great difficulties in the implementation of this policy. At present, China's medical insurance reform is still ongoing, and I hope that with the deepening of the reform, more ordinary people can enjoy the benefits brought by the policy!