“惠民保”是新涌现出的经济现象,模式多样,从2021年7月初至2022年6月底,各类模式呈现出不同的发展态势,有些模式走向衰落,有些模式走上可持续发展之路。普惠性程度较高的两种惠民保模式已成为主流,其中,政府推动型模式的参保率比医保部门推动型模式的参保率高出约45个百分点,“政府推动、商保承办、公益化运行”的制度新形态脱颖而出,实现了市场机制、行政机制与公益化机制的深度融合,是推进实现共同富裕的重大制度创新。
<<“Huimin Insurance” is a newly emerging economic phenomenon with various modes. Various modes showed different development trends from the beginning of July 2021 to the end of June 2022. Some modes go into decline,and some modes go into sustainability. Two modes with a high degree of universality have become mainstream. The participation rate of the government-driven mode is about 45 percentage points higher than that of the health-insurance department-driven mode. The new system of “government promotion,private insurance undertaking,and public welfare operation” stands out. It has deeply integrated the market,administrative,and public welfare mechanisms and is a central institutional innovation to promote common prosperity.
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