The news about the personal account reform of employees' medical insurance has aroused social concern. In the medical insurance reform plan introduced in many places, the amount included in the employee's personal medical insurance account in the current period has changed. For on-the-job employees, the part originally included by the unit payment is no longer included and included in the overall fund; For retirees, the personal account in the past was changed into a quota, and the quota standard was linked to the per capita pension in the year of overall regional reform. Some people think that after the reform, the funds allocated by the personal medical insurance account have decreased, and the personal medical insurance benefits have declined.

In fact, this reform is not simply to reduce the amount of personal accounts, but to add the "money" reduced by personal accounts to the "big pool" of the overall fund. On the one hand, the "family members benefit" of personal accounts has been opened, and the use scope of personal accounts has expanded from the insured employees themselves to family members. On the other hand, the "outpatient economic security" has been strengthened, and the general outpatient expenses of frequently-occurring diseases and common diseases have been gradually included in the payment scope of the overall fund. From the book alone, the money newly transferred into personal accounts is indeed less, but overall, the treatment of the insured person's general outpatient service will be improved.

Not only that, after the reform, the pool of overall funds has become larger, the mutual aid and economic benefits of medical insurance have been significantly improved, and the social security capacity has become more adequate. In the final analysis, medical insurance is a kind of social insurance, which means that it has the nature of mutual assistance, responsibility and enjoyment. If we put everyone's money together, we can use the law of large numbers to resolve the risks of social groups and meet the medical needs of the public in a wider range. Counting a "long-term account", we can all benefit from the reform.

Under the framework of social medical insurance, the fund of personal account is "medical treatment money", and most developed countries have no * * * account and personal account design. At the beginning of the establishment of China's medical insurance system, in order to simplify the reimbursement procedures and attract more people to participate, personal accounts were set up, which played a huge role in the past. However, under the new situation, the disadvantages such as insufficient social mutual aid and limited outpatient function of employee medical insurance personal accounts are prominent, and there is a situation that insured employees can't spend all their money without illness and can't use it without illness.

From the development trend, the medical insurance pooling fund needs to bear more medical insurance responsibilities. The Central the State Council issued the Opinions on Deepening the Reform of the Medical Security System, which clearly stated that "outpatient medical expenses should be gradually included in the payment scope of the basic medical insurance pooling fund, individual accounts of employees' basic medical insurance should be reformed, and the outpatient medical security mechanism should be established and improved". It is beneficial to the fair and sustainable development of employee medical insurance to bring the outpatient medical expenses into the scope of employee medical insurance pooling fund.

With the development of society, China's medical insurance policy is constantly being adjusted and improved, but benefiting the people's livelihood is always the same tone, and benefiting those who need it most is the basic principle of reform. The insured should treat the reform rationally. In the face of the current reduction of funds transferred to personal accounts, everyone should calculate both small accounts and large accounts; It is necessary to calculate both the immediate account and the long-term account. I believe that after the reform has been promoted for a period of time, the masses will enjoy the dividend of the reform.