山西省城镇居民基本医疗保险筹资分析-社会保障专业论文.docxVIP

PAGE PAGE 3 摘 要 伴随经济的快速转型及医疗费用的迅速增长，中国医疗体制面临前所未有 的挑战，因病致贫，因病返贫的现象持续存在。在城镇职工基本医疗保险和新 农村合作医疗保险制度之外还有城镇未从业居民没有被制度覆盖。2007 年 10 月， 为保障没有被基本医疗保险制度覆盖的 4.2 亿的城镇非从业居民的医疗需求，中 央发布了国发[2007]20 号文件，在全国 79 个城市开展了一场大规模的城镇居民 基本医疗保险的试点工作。 建立城镇居民基本医疗保险的最大难题在于医疗基金的筹集，稳定而具有 一定规模的医疗基金，是城镇居民基本医疗保险制度顺利开展的基础和保证， 科学合理的医疗基金筹集，也是开展和推广城镇居民基本医疗保险制度的关键。 本文在系统深入总结国内外相关文献的基础上，介绍了城镇居民基本医疗 保险制度的基础理论，回顾了山西省城镇居民基本医疗保险试点的实施和城镇 居民人数、可支配收入、医疗保障支出情况，介绍山西省城镇居民基本医疗保 险筹资制度原则、筹资制度、统筹层次、筹资水平。 重点分析了山西省城镇居民基本医疗保险的筹资方式、筹资标准、筹资规 模，并对山西省城镇居民基本医疗保险与城镇职工基本医疗保险、新农村合作 医疗和其他试点城市筹资进行对比。其次，通过筹资评价指标具体分析了山西 省城镇居民基本医疗保险筹资中存在的问题。最终，针对性地提出了包括筹资 方式、筹资渠道、政府责任和配套工作等在内的一系列政策建议，对于构建城 镇居民基本医疗保险制度具有重要的理论意义和现实意义。 【关键词】山西城镇居民 基本医疗保险 筹资标准 筹资方式 Abstract With the rapid economic transformation and rapid growth of medical costs, Chinas health care system is facing unprecedented challenges, impoverished by hospitalization, and the illness persists into poverty once again. In the basic medical insurance for urban workers and the new rural cooperative medical insurance system than there are practitioners of urban residents are not covered by the system has not been. In October 2007, in order to protect the basic medical insurance system has not been covered by 420 million urban residents in the non-practitioner medical needs, the central authorities issued a State issued [2007] No. 20 document, 79 cities across the country launched a large-scale the basic medical insurance for urban residents of the pilot. The first batch of pilot cities for the establishment of the basic medical insurance for urban residents the biggest problem is that health care fund raising. Stable and has a certain amount of health care fund is the basic medical insurance system for urban residents smooth implementation of the foundation and guarantee a scientific and rational health care fund-raising, but also to carry out and promote the basic medic al insurance system for urban residents in the key. First of all, focused on analyzing the basic medical insuran