If you liked this article, please click "Follow" in the top right. Thank you for your support and encouragement, and hope to bring you a comfortable reading experience.
Medical insurance is a topic that everyone cares about. Health insurance is a guarantee that everyone needs. Medicare is a cost that everyone has to pay.
But, you know what? The cost of health care has been rising. How much more do you have to pay for health insurance each year?
How much does your health insurance reimburse you each year, and how much peace of mind does your health insurance give you every year?
First, the truth about the price increase of medical insurance
It is an indisputable fact that the price of medical insurance has risen. And the trend of medical insurance price increases has not stopped.
It is reported that in 2024, the mainland will implement a new medical insurance system, merging the medical insurance of urban workers and urban and rural residents into a unified medical insurance system.
At the same time, the payment standard of medical insurance will be increased from 10.5% to 12%, and from 520 yuan to 600 yuan.
This means that if you are an urban worker and your monthly income is 5,000 yuan, then you have to pay 600 yuan a year for medical insurance, which is 75 yuan more than now.
If you are an urban or rural resident, you have to pay 600 yuan a year for medical insurance, which is 80 yuan more than now.
Second, the reasons for the increase in medical insurance prices
The population structure of the mainland is in a stage of rapid aging.
The increase in the elderly population has led to an increase in medical demand, an increase in medical expenses, and an increase in medical insurance expenditures, which in turn has promoted an increase in medical insurance contributions.
The cost of medical care in mainland China is in a stage of rapid rise.
The rise in medical costs is mainly affected by the following factors: the advancement of medical technology.
This has led to the emergence of new diagnosis and treatment methods and drugs, which have improved the quality of medical care, but also increased the cost of medical care.
The imbalance of medical resources has led to an imbalance between supply and demand in some regions and hospitals, forming a monopoly and inflated medical prices.
The non-standard medical behavior has led to excessive diagnosis and treatment and consumption of some doctors and patients, resulting in the waste of medical resources and the increase of medical costs.
The rise in medical costs has led to a decrease in medical insurance reimbursement and an imbalance in medical insurance revenue and expenditure, which has promoted the increase in medical insurance contributions.
The mainland's medical insurance system is in the process of constant reform. The mainland's medical insurance system has undergone the following major reforms.
The medical insurance system for urban and rural residents has been implemented, and the original new rural cooperative medical care and urban residents' medical insurance have been merged into one system.
The coverage of medical insurance has been expanded, and the level of medical insurance treatment has been improved.
The reform of the payment method of medical insurance has been implemented, and the original payment by project and payment by disease type has gradually changed to capitation payment and payment by disease group.
It has changed the income structure of medical institutions and doctors, and promoted the rationalization and standardization of medical services.
The adjustment of the medical insurance catalogue has been implemented, and the original basic medical insurance drug catalogue and medical service item catalogue have been unified into the national medical insurance catalogue.
The scope of indications for medical insurance has been increased, and the out-of-pocket ratio of medical insurance has been reduced.
The reform of the medical insurance system aims to improve the fairness and sustainability of medical insurance, but it also brings about the operating cost and management difficulty of medical insurance, thereby promoting the increase of medical insurance contributions.
The increase in the price of medical insurance means that the burden of medical insurance for individuals increases, the disposable income of individuals decreases, and the quality of life of individuals decreases.
epilogue
The increase in health insurance prices is a complex issue. It involves the country's fiscal policy, the social welfare system, the supply and demand of medical care, the income level of individuals, and people's health concepts.
The price increase of medical insurance is not only necessary and reasonable, but also difficult and sensitive. The increase in medical insurance prices has brought us both pressure and opportunities, challenges and hopes.
So what should we do in the face of rising medical insurance prices?
The increase in the price of medical insurance is an objective reality that we cannot change. However, you can reduce the burden of health insurance by raising your own income level.
By working hard, improve your skills and abilities, and strive for more wages and bonuses.
Through entrepreneurship and innovation, develop their own business and market, and strive for more profits and benefits.
Increase your wealth and assets through financial investment, and strive for more income and returns.
The increase in medical insurance prices is an inevitable trend that we cannot reverse. However, you can increase the proportion of medical insurance reimbursement by reducing your own medical expenses.
It is possible to focus on prevention, develop good lifestyle Xi habits, maintain a healthy body and mind, and avoid unnecessary diseases and injuries.
By seeking medical treatment reasonably, choosing a medical institution and doctor that suits you, following doctor's instructions and prescriptions, and avoiding excessive diagnosis and treatment and consumption.
Participate in medical insurance negotiations, pay attention to changes in medical insurance catalogs and payment methods, and strive for more medical insurance discounts and subsidies.
The increase in the price of medical insurance is an irresistible force that we cannot resist.
However, you can improve your level of protection by enhancing your insurance awareness.
We can supplement our medical insurance, reduce our medical risks, and improve our medical safety by purchasing commercial insurance.
If you have any different views or ideas, you are welcome to communicate with me in the comment area.