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谢伏瞻
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    广州医疗保险制度发展面临的供需矛盾及优化策略

    摘要

    目前,广州已形成兜底线、多层次、全覆盖的特色医疗保障制度体系。从供给侧看,广州医疗保险参保人数逐年提升,企业和个人缴费负担不断减轻,按病种分值付费的医保支付改革取得明显成效,药品集团采购改革有效降低药品交易成本。从需求侧看,被访者的基本医疗保险参保率和满意度均较高,基本医疗保险能够明显减轻居民就医负担。目前,广州医保的供需矛盾主要体现为:居民对医保的支付期待与实际支付水平之间存在差距,居民对医保制度的理解和制度设计初衷存在偏差,居民对补充医疗保险的认可度和参与度还有待提升。对此建议:优化门诊慢特病、重特大罕见疾病的医保制度,合理降低居民医疗支付负担;职工医保个人账户的使用逐步过渡到以家庭为单位;积极推动商业健康保险发展,努力构建多层次相互衔接的医疗保障体系;提高医疗保险经办体系信息化程度,促进大湾区异地就医便利性。

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    Abstract

    Nowadays,Guangzhou has formed a special medical security system with a bottom-line,multi-level and full coverage. From the perspective of supply,the number of Guangzhou medical insurance participants is increasing year by year,the burden of enterprise and individual payment is constantly reduced,the reform of medical insurance payment based on the points of diseases has reached obvious achievement,and the procurement reform of drug groups has effectively reduced drug transaction costs. From the demand side,the basic medical insurance participation rate and satisfaction of the respondents are high,and the basic medical insurance can significantly reduce the medical burden of residents. At present,the contradiction between supply and demand of medical insurance is mainly reflected in the gap between residents’ expectation on medical insurance payment and the actual payment level,the deviation of residents’ understanding of medical insurance system and the original intention of system design,and residents’ recognition and participation in supplementary medical insurance need to be improved. In this regard,we should optimize the medical insurance system for chronic,serious and rare diseases and reasonably reduce residents’ medical payment burden. The use of individual account of employee medical insurance is gradually transferred to family as a unit;Actively promote the development of commercial health insurance and strive to build a multi-level and interconnected medical security system;We will improve the informatization level of the medical insurance handling system and make it more convenient for medical treatment in different places in the Greater Bay Area.

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    作者简介
    付舒:付舒,博士,广州市社会科学院社会研究所副研究员,研究方向为社会政策、社会保障。
    余封亮:余封亮,西安交通大学马克思主义学院在读博士,仲恺农业工程学院经贸学院助理研究员,研究方向为社区教育与治理。
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