Medical insurance personal account "rebate" adjustment! Is the allocation of 2,000 yuan for pensions consistent?
1. Introduction The "rebate" of China's medical insurance is a hot topic in the reform of China's medical insurance system in recent years. Recently, China has made some adjustments to the "rebate" of personal accounts in medical insurance, which has aroused great attention from all walks of life. This will focus on this, focusing on the study of two pension levels of 2,000 yuan, 5,000 yuan retirees, after the medical insurance personal account "return", the amount of the payment is the same. 2. The background and goal of the adjustment of the "rebate" of the medical insurance personal account is the "rebate" of the medical insurance personal account, that is, the medical insurance ** will allocate it to the personal account according to the prescribed proportion to reimburse the medical expenses of the medical insurance object. In recent years, with the continuous growth of medical costs, the pressure on medical insurance funds is increasing, in order to ensure the sustainable development of medical insurance, it is necessary to adjust the "return" of personal accounts accordingly. The purpose of this reform is to maximize the role of medical insurance and fully benefit the general public.
3. There are two points in the adjustment of the "rebate" and "rebate" of the medical insurance personal account: first, the calculation method of the "rebate" of the personal account has been adjusted; Second, the method of transferring "refunds" from personal accounts has been adjusted accordingly. For retirees with a pension of 2,000 yuan and less than 5,000 yuan, the following adjustments will be made: 1. Adjustment of the payment base: under the new medical insurance system, in the new medical insurance system, the payment base of the "return" of the personal account will have nothing to do with the payment base, but related to age, medical expenses, etc. In particular, as you get older and your medical expenses increase, so does the amount of "money backed" into your personal account. This means that regardless of the pension amount, the amount will be equal at the same age and with the same health expenditure.
2.The adjustment of the method of fund allocation, and the payment method of medical insurance** "rebate" have also changed. The "rebates" that used to be paid to customers on a monthly basis have now been paid on an annual basis. In addition, in order to facilitate supervision, the "rebate" of personal accounts has also been dynamically adjusted. This means that when the cost of medical care rises or the affordability of health care funds increases, the relevant authorities can adjust the "rebate" to ensure the sustainable development of health insurance. Fourth, the actual effect and implementation opinions: the adjustment of the "rebate" of medical insurance is a major change for most retirees. With this adjustment, the amount of the allocation will not be linked to the pension, but to other factors such as age and medical costs. This reform is conducive to maximizing the role of medical insurance funds and ensuring that the broad masses of the people enjoy medical insurance. In the process of implementation, the relevant parties should increase the training of enterprise employees, so that enterprises have a comprehensive understanding of the "return" of the personal accounts of enterprise employees, and explain them in detail. On this basis, we also expect retirees to make appropriate adjustments to the relevant institutions to maintain the sustainable development of health insurance**.
5. Conclusions and prospectsThe adjustment of the "rebate" of China's medical insurance personal account is a forward-looking institutional arrangement, which is of great significance for realizing the rational use of health care funds and promoting healthy development. Although the amount allocated will not be linked to the pension, the change will not have a significant impact on retirees. Moreover, it promotes equitable and sustainable health care systems. In the days to come, we look forward to further deepening the reform of the national health insurance institutions, further improving the medical insurance system, and improving the quality of medical insurance. He also called on people from all walks of life to actively participate in the reform of the medical insurance system and contribute to the healthy development of medical insurance.