Why does the medical insurance cost increase year by year?

First, the three reasons for the increase of medical insurance

First, with the development of society, the medical expenses are getting higher and higher.

Many people have experienced it. A small cold even costs hundreds of dollars and nearly 1, yuan. In addition to medicine expenses and examination expenses, it has also increased one after another, thus pushing up the overall medical expenditure, which also increases the reimbursement expenses and financial pressure.

Second, with the development of medical insurance, the scope of reimbursement is becoming wider and wider.

At first, medical insurance only targeted at a few serious illnesses, and then the scope was gradually expanded, and more patients were reported, so the expenditure naturally increased.

Third, the frequency of seeking medical treatment is getting higher and higher.

On the one hand, everyone began to pay attention to health, especially the number of sick elderly and children going to the hospital increased significantly. On the other hand, with the improvement of living standards, the incidence of some diseases has also increased. As a result, the overall medical expenses have risen.

second, why don't farmers pay? Three reasons are very real

First of all, objectively speaking, rural areas are different from cities and towns, and a few months' salary in cities and towns will cover the income of rural areas for one year.

The general income in rural areas is too low. After one year, the payment of medical insurance is not small for rural families.

Secondly, in the actual reimbursement process of medical treatment, many people find that many medicines cannot be reported, and for example, outpatient treatment is often not reported. For example, a rural friend said that his fracture cost nearly 6, yuan, but only 6, yuan was reimbursed. Therefore, in this way,

the actual amount of money reimbursed is lower than the total expenditure.

Third, because the medical insurance in rural areas is implemented later than that in cities and towns, there is still a process to popularize knowledge.

For example, under what circumstances can medical insurance work? Many people still don't know, and think that they can be reimbursed as long as they go to the hospital. In addition, the understanding of the reimbursement ratio is not accurate, and some drugs cannot be reimbursed during the actual medical treatment, so the reimbursement ratio is lower than expected. Therefore, many farmers think that they have to pay a few hundred yuan a year, but they don't need it when they use it. They feel that they are losing money, so they don't want to pay it.

third, how to solve it?

firstly, the development of medical insurance is a process. On the one hand, the state keeps pushing forward medical reform, increasing the scope of medical insurance and the proportion of reimbursement, but at the same time, it also needs to standardize hospitals. For example, many drugs prescribed by doctors are not covered by medical insurance, and they are very expensive.

If the number of commonly used drugs is continuously increased from the aspect of drugs, and it is standardized that doctors prescribe drugs within the scope of medical insurance first, it will help to increase the proportion of medical insurance reimbursement and enable farmers to enjoy the benefits of medical insurance.

Secondly, while increasing farmers' income, we should slow down the increase of payment.

especially for families whose income is still mainly from farming, how much food can be sold is closely related to the weather, output and quality, so the income is unstable. In this case, the medical insurance payment is rising, which must be a great pressure.

In addition, there are some problems of double payment. For example, after some people go to work in cities and towns, they are also insured in cities and towns, but they don't know whether the farmers should pay the original medical insurance in the countryside, so they both pay in a muddle, resulting in a lot of double payment. There is still a long way to go in the development of rural medical insurance, but medical insurance is an important guarantee of life, so it is better not to pay off as much as possible.

The reason and influence of the rising medical insurance cost is a complicated problem. First of all, the progress of medical technology and the improvement of medical services have led to the increase of medical expenses. The introduction of new drugs, equipment and treatment methods is often accompanied by high costs. Secondly, the aging population is also one of the reasons for the increase in medical insurance costs. With the deepening of the aging population, the medical needs of the elderly have increased, and the medical insurance expenditure has also increased accordingly. In addition, the imperfection and mismanagement of the medical insurance system are also factors that lead to the increase of medical insurance costs. The government and insurance institutions need to strengthen supervision and control the rationality of medical costs. The rising cost of medical insurance has an important impact on individuals and society. For individuals, the increase in medical insurance costs may increase the family burden, especially for low-income families. For the society, the rising medical insurance cost may put pressure on the national finance and affect the allocation of social resources. Therefore, it is necessary for the government, insurance institutions and medical institutions to work together to take effective measures to control the rise of medical insurance costs and ensure the sustainable development of medical services.

Legal basis:

Social Insurance Law of the People's Republic of China:

Chapter III Basic Medical Insurance

Article 28 Medical expenses that meet the standards of drug list, diagnosis and treatment items, medical service facilities and emergency and rescue of basic medical insurance shall be paid from the basic medical insurance fund in accordance with state regulations.