The reason why China's medical insurance surplus funds have reached such a large scale is not, as some experts say, because China's medical insurance financing is too large and income has exceeded expenditures, but because after the establishment of the National Medical Insurance Administration, it actively carried out national-level

The centralized procurement of pharmaceutical consumables has squeezed the price of pharmaceutical consumables from being artificially high.

At the same time, inspections of unreasonable medical treatments in hospitals have been intensified to reduce the waste of medical insurance funds.

However, while cracking down on unreasonable charges, the price of medical services has not been increased as much as it should be. As a result, the technical value of doctors cannot be reflected, and medical charges have not been reasonably increased.

So is such a large balance in medical insurance an advantage or a disadvantage?

How to better utilize the efficiency of medical insurance funds?

First of all, the medical insurance fund balance provides financial support to further expand the coverage of medical insurance and increase the proportion of medical insurance compensation, thereby benefiting the majority of patients, which is beneficial to the people.

Secondly, the medical insurance balance should also benefit medical staff, which is beneficial to medicine.

Whether it is the centralized procurement of medicines and consumables or the inspection of unreasonable charges by medical insurance, the income of public hospitals and their medical staff has dropped. If corresponding compensation is not provided, it will inevitably lead to a decrease in the enthusiasm of medical staff.

Moreover, excessive fee control will also force doctors to break down the fees, so that some fees that could have been included in medical insurance payments are passed on to patients, increasing the patient's burden of medical treatment.

Therefore, benefiting the people and benefiting medicine complement each other.

Only considering reducing the burden on ordinary people and blindly controlling fees will inevitably lead to a decrease in the income of medical staff. Under the premise of a high degree of asymmetry in doctor-patient information, medical staff will be forced to seek other ways of income compensation, which will ultimately harm the interests of patients.