Since 2008, the state has implemented medical insurance for each person per year in the initial stage 10 yuan, and the contributions for the old-age insurance for urban and rural residents in the later stage 12. The initial investment in medical insurance for urban and rural residents is increased from 10 yuan to 30 yuan every year. 40, 70, 80, 100, 120, 180, 220, 240 to 202 1 280 yuan per person per year. This is only personal expenditure, and the local government's finances have also increased. It provides medical subsidies to everyone and is managed by the medical insurance pooling account.

Due to the high personal medical expenses, the scope of protection has also been expanded. Drugs that could not be reimbursed in the past are now included in the scope of patient reimbursement. According to the diagnosis and treatment level of hospital medical institutions, the reimbursement rate of hospitalization medical expenses has increased, reaching 90% in township hospitals, 65% in secondary hospitals and 55% in tertiary hospitals. For elderly patients over the age of 80, the reimbursement rate will be increased by 5%. For low-income families, poor families and five-guarantee families, governments all over the world give humanized treatment to critically ill patients? Serious illness relief? .

The wage growth of low-income people is slow, and the medical insurance cost seems to be high, but it belongs to compulsory insurance and is related to endowment insurance. The pension has just retired, and the medical insurance benefits for life after it takes effect. The proportion of medical expenses reimbursement is high, generally above 85%. In contrast, the increase in medical expenses is very small. Hospitalization fees, examination fees, medical expenses and medicine fees are very high, and 10,000 people are hospitalized for common diseases. Yes, it is normal to have a small increase at your own expense. The increase in medical expenses refers more importantly to insurance. The medical expenses reimbursed for hospitalization can offset all the insurance premiums you pay. Medical insurance is more expensive, which is mainly influenced by the rising price level, the number of participants, the number of inpatients, the average hospitalization and other medical insurance payment, social and economic development and other factors. The medical insurance fund raises funds every year according to the principle of balance of payments and slight balance, and adopts a multilateral financing policy. The state subsidizes a little every year, enterprises pay a little, and individuals pay a little.

In a word, the increase of medical insurance expenses of employees is mainly caused by the increase of the average wage level of employees, while the increase of medical insurance expenses of urban and rural residents is mainly related to the increase of the national per capita disposable income level. As long as the social economy develops in the future, the increase of medical insurance costs will also be a form.