河北省城乡居民基本医疗保险存在的问题及对策研究.docxVIP

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摘要

医疗保障体系的建立与经济的稳定发展一直维持着良性且相互促进的关系。当前，在社会经济发展水平持续提升的推动下，与我国国情相适应的医疗保障体系正日趋完善，医保民生工程取得重大突破。河北省作为我国人口大省，城乡居民基本医疗保险一直是一项重大的民生工程，近年来在各部门的协调推进下，制度执行效果愈发显现，但在运行建设中仍存在着较大的问题，亟需统筹多方资源制定相关措施，以完善医疗保障体系，提高医疗保障质量。

本文则基于医疗保障的相关特点，本文以河北省为例，对目前河北省的社会保障状况进行了较为详尽的描述，并以相关的资料为依据，对其进行了分析，发现其不足之处。研究发现，其存在的问题主要有参保人数持续下降、筹集机制不完善、居民医疗需求满足程度低、基金监管力度不足、医疗保险的服务水平较低等问题。基于此，提出了提高居民参保意愿、逐步完善筹资机制、满足居民医疗需求、加大基金监管力度、优化医疗保险的服务体系等对策，以期帮助河北省城乡居民基本医疗体系的完善，促进民生工程的顺利进行。

关键词：河北省；城乡居民；基本医疗保险

ABSTRACT

Theestablishmentofthemedicalsecuritysystemandthestabledevelopmentoftheeconomyhavemaintainedabenignandmutuallyreinforcingrelationship.Atpresent,drivenbythecontinuousimprovementofthelevelofsocialandeconomicdevelopment,themedicalsecuritysystemthatiscompatiblewithChina'snationalconditionsisbecomingmoreandmoreperfect,andmajorbreakthroughshavebeenmadeinthemedicalinsuranceandpeople'slivelihoodproject.HebeiProvinceasaprovincewithalargepopulationinChina,urbanandruralresidentsbasicmedicalinsurancehasalwaysbeenamajorlivelihoodproject,inrecentyearsunderthecoordinationofvariousdepartments,theeffectofsystemimplementationhasbecomemoreandmoreobvious,buttherearestillbigproblemsintheoperationandconstruction,anditisurgenttocoordinatemultipleresourcestoformulaterelevantmeasurestoimprovethemedicalsecuritysystemandimprovethequalityofmedicalsecurity.

Basedontherelevantcharacteristicsofmedicalsecurity,thispaperelaboratedcertaindatasupport.Theresearchfoundthatthemainproblemsincludethecontinuousdeclineinthenumberofinsuredpeople,theimperfectfinancingmechanism,thelowlevelofresidents'medicalneeds,theinsufficientfundsupervision,andthelowlevelofmedicalinsuranceservice.Basedonthis,countermeasuressuchasimprovingresidents'willingnesstoparticipateininsurance,graduallyimprovingthefinancingmechanism,meeting