Recently, the accumulated balance of the medical insurance pooling fund has once again caused widespread heated discussions. According to reports, as of April 11, the cumulative balance of the mainland residents' medical insurance pooling fund has reached more than 760 billion yuan. In this regard, the medical insurance department said that the overall fund is still in a tight balance. As soon as the news came out, the comment area immediately boiled, and voices from all sides expressed their views one after another.
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This time, the funding situation of the medical insurance pooling fund has once again become a hot topic, and the controversy seems to be endless. The reasons are mainly reflected in the following points:
The impact of demographic change. The mainland has now entered an aging society, and the proportion of retired population is increasing, which puts pressure on the medical insurance fund. Data shows that in 2020, the population aged 60 and above in mainland China accounted for 18.1% of the total population, and it is expected to exceed 25% in 2030. With the deepening of the aging of the population, the increase in the medical needs of the retired population will also become a long-term challenge for the medical insurance fund.
Medical prices continue to rise. In recent years, the mainland's medical technology and level have been continuously improved, but the supply of medical resources cannot immediately meet the growth in demand. This puts upward pressure on healthcare prices. According to the National Health Commission, the mainland's medical consumer price index rose by 34% overall from 2010 to 2020. The rising cost of medical care has also increased the balance of the medical insurance fund.
Some netizens have insufficient awareness of the right to pay and use the medical insurance fund. Some netizens questioned the high balance of the medical insurance fund, but did not understand that medical insurance is the nature of social insurance, and the fund is mainly used to ensure basic medical protection for employees after retirement. Some netizens believe that the pressure on the fund is not great at this stage, but they do not consider the long-term impact of the aging population and even the rise in medical prices. This reveals the need to strengthen public awareness of the purpose and operating mechanism of the medical insurance system.
There are also some problems in the health care system that have caused controversy. For example, the problem of inconsistent medical reimbursement standards, large differences in drug prices in different institutions, and the lack of understanding of the process in the process of using medical services by some elderly people have also become the focus of heated discussions among some netizens.
In the face of doubts from all sides, the medical insurance department said that the medical insurance pooling fund is still in a tight balance. In fact, the stock size of the medical insurance fund is not a panacea, and it is more important to consider its operation trend and sustainability. The challenges brought by the aging population to the medical insurance fund will continue to deepen in the future.
There is a view that to maintain the long-term healthy operation of the medical insurance fund, it is necessary to carry out the following aspects:
First, we should highlight the concept of prevention before treatment, strengthen the public's awareness of health, and promote preventive measures such as medical examinations. This will effectively reduce the overall growth rate of health expenditure.
Second, deepen the medical reform policy and control the reasonable rise of medical costs. For example, expand the scope of centralized drug procurement, and rectify the management of drug prices in medical institutions.
Third, improve the supporting of the medical insurance system and policies. For example, the payment period should be moderately extended, and the scope and reimbursement standards of medical insurance should be expanded in accordance with the law, which is in line with the trend of population change.
Fourth, strengthen the concept of jointly building medical insurance for all parties in society. Continuously enhance the public's awareness of the purpose and role of medical insurance, and encourage more people to participate in medical insurance payment as soon as possible.
Fifth, the allocation of medical resources should be matched with the demographic structure and medical needs. Strengthen the construction of the primary medical and health service system to facilitate the elderly to seek medical treatment.
Overall, the core of the operation of the medical insurance pooling fund is sustainable development. Only through the joint efforts of all parties, from system design to mass participation, can medical insurance become a long-term support for protecting national health, so that it can truly play its due role. The current controversy may become an opportunity to deepen the reform of the medical insurance system.
What do you think about this matter? Welcome to leave a message in the comment area to discuss