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深化医疗保险体制改革,城镇职工医疗保险改革是重中之重,而推进城镇职工医改工作制度建设,必然需要从社会化管理机制下来构建完善的医疗保险筹措机制、费用支出机制、保险基金监督机制。长期以来,城镇职工医疗保险、城镇居民医疗保险、新型农村合作医疗三大医保体制处于二元分割格局,不仅分散了管理资源,也降低了管理效率,更不利于我国医疗保险制度的健康、可持续发展。本文着重以“三保合一”为例,就当前医疗保险改革中的难点及问题进行梳理,并提出积极的优化整合对策和建议。
Deepening the reform of the medical insurance system, reform of medical insurance for urban employees is the most important task. To promote the system of medical reform of urban workers, it is necessary to construct a sound mechanism for health insurance financing, cost-expenditure mechanism, supervision mechanism of insurance funds from the social management mechanism . For a long time, the three medical insurance systems for urban employee medical insurance, urban resident medical insurance and new-type rural cooperative medical system are in a dualistic pattern, which not only disperses the management resources but also reduces the management efficiency, which is not conducive to the health insurance system in China. Continuous development. This paper focuses on “three guarantees to one” as an example, the current health insurance reform difficulties and problems to sort out, and put forward positive optimization and integration measures and suggestions.