It is reported that the personal account quota of medical insurance in Wuhan has been implemented since 20 19, and the original provision was 2% of the monthly payment of the insured. The latest news shows that the standard will be lowered to 1.5%, which means that the growth rate of personal account balance will slow down after citizens participate in medical insurance. This move aims to further control the expenditure of medical insurance funds, especially the cost of drugs, and promote the rationalization of medical expenses. At the same time, it can also make the medical insurance fund better serve the general public and meet their basic medical needs. However, for some elderly people whose children are far away from home or whose working life is poor, this policy may bring some negative effects. Some experts suggested that appropriate subsidies could be given to needy groups such as low-income people and destitute people.
How to balance the medical insurance fund? The income of medical insurance fund mainly comes from the contributions of insured persons and employers, in which the proportion of individual contributions is a certain proportion of wage income, and the proportion of unit contributions varies according to regional policies and other factors. In terms of expenditure, it is mainly used to pay medical insurance payment, medical service fee and fund management fee. In order to ensure the sustainability of the medical insurance fund, it is necessary to adjust the payment standard, optimize the price of medical services and control the cost of drugs.
The news that the amount of personal medical insurance account in Wuhan has been lowered has aroused widespread concern. Although this move is conducive to promoting the rationalization of medical expenses, it may also have a certain degree of impact on some people in need. Therefore, government departments should comprehensively consider various factors to ensure the sustainability of medical insurance funds and provide better and more convenient medical security services for the general public.
Legal basis:
Article 65 of the Medical Insurance Law of People's Republic of China (PRC) clearly stipulates: "The medical insurance fund shall balance revenue and expenditure according to the principles of economic rationality and social equity, and gradually realize the accumulation, preservation and appreciation of the fund.