| According to international standards,China entered the aging society in 1999.Judging by the total population and the growth rate,the aging population of our country is speeding up.The elderly population is growing faster than Europe,second only to Japan.Low fertility has aggravated the degree of china’s aging population.There is significant difference in population aging in the region.Our country has entered the aging society,since then,will be in a long period of time as a developing country,showing not rich first old.The old-age population has put medical health insurance system in a serious risk.Basic Medical insurance for workers in China,which is reformed since the 1990s,has established a "social pooling and individual account" mode.Since the pilot,it established pooling funds and individual accounts combined "account" mode,in a certain range to ease the economic burden of medical workers.It definitely alleviated the economic burden of workers in a certain range.With the increase proportion of insured retirement,the policy which retiree need not pay the fees make the medical insurance fund collection group atrophy,but also increase the pressure of intergenerational support.The disease spectrum,which is acute infectious disease,has shifted into cardiovascular disease,nausea,cancer,diabetes and other chronic diseases.Those changes led directly to the rise of medical insurance fund expenditures.The contradiction between the demand of the old-aged and the carrying capacity of the basic Medical insurance fund is becoming increasingly prominent.The retired people go settled with their children,who work in the big city,have an urgent request for remote network medical treatment.The number of "empty nest" people whose children are working in other cities is increasing year by year.Those old people has greatly require in life care,medical care and disease prevention.The elderly,disabled,semi-disabled elderly people have increasing demand for social welfare and community care services.Faced those difficulties,the Employee Medical insurance system is established shortly,its system mode,management,operating mechanism are still in continuous improvement and exploration stage.Especially at present,the level of health insurance in our country is low,and the separation of medical insurance system and the new rural cooperative medical insurance system weaken the fund overall ability.Both developed and developing countries have begun to prevent and solve the impact of the aging population on the medical insurance system.The design of medical insurance system is influenced by many factors,such as politics,economy,society,history and culture.At present,China is still in the primary stage of socialism,and the differences between urban and rural areas,regional differences and inter group differences still exist.Therefore,when we optimize the design of the basic medical insurance system,we should not blindly copy the high welfare model of Western countries.The Chinese born in 1950s,who experienced the cultural-revolution,worked at the mountains and countryside,experienced laid off,retired before law allowed age,buyout length of work.Their demand for fairness and equity is getting stronger and stronger.Based on the background of population aging,this paper studies how to optimize and improve the basic medical insurance system for employees.Focus on the analysis of the impact of demographic factors on the level of the basic medical insurance system,the operation level of the fund and the management level.In this paper,the writer takes Dalian as the research example,establishes the fund income and expenditure mathematical model,and forecasts the bearing capacity of the fund in the next ten years.This paper probes into the applicability of the domestic and foreign medical insurance system to deal with the aging population.From the perspective of promoting the sustainable development of the basic medical insurance system,the author designs the framework of the system,the income and expenditure of the fund,and the improvement of the management ability..At the present,our country has realized the full coverage of medical insurance policy.Medical insurance work will also expand the scope of the insured to enhance the quality of protection.The research is based on the comprehensive reform of medical security,medical service,public health,drug supply and regulatory system.The suggestions are adhere to the"full coverage,basic,multi-level and sustainable" principle.According to the "13th Five-Year" plan proposed by the social security of specific tasks and the requirements of the new medical reform,the suggestion is combined with the policies and regulations of the Ministry of human resources and social security.The conclusion is that optimize the design of the basic medical insurance system for employees in china.At present,the domestic scholars’ research on the aging of the population and the basic medical insurance system for employees are scattered,its relevant recommendations do not take into account the system of financing,payment,management and other aspects of the collaborative development.This study focuses on the adverse effects of age structure on the above aspects.The paper puts forward the establishment of a multi-level medical security system,which can disperse the risks brought by the aging of the population to the basic insurance system for employees,establish a stable and reasonable financing mechanism and a variety of payment methods to enhance the efficiency of the basic medical insurance fund,and gradually achieve the standardization of medical insurance institutions,with sophisticated management tools to meet the diverse needs of the elderly insured.This paper argues that the establishment of a multi-level medical security system,helps to disperse the population aging risks to workers’ basic insurance system;to establish a stable and reasonable financing mechanism and diversified ways to help enhance the efficiency of the basic medical insurance fund for staff and workers;and gradually realize the standardization of medical insurance institutions,diversified needs help to accurate means of management to the elderly beneficiaries.The conclusion of this paper is that the establishment of a multi-level medical security system is helpful to disperse the risk of the aging population to the basic insurance system of the workers.It is helpful to improve the efficiency of the basic medical insurance fund to establish a stable and reasonable financing mechanism and a variety of payment methods.To achieve the standardization of medical insurance institutions,help to meet the diverse needs of the elderly with accurate management tools.The innovation of this paper:(1)Taking Dalian as a typical example,the empirical research selects the time series data from 2004 to 2013 the basic medical insurance system for workers,confirms the medical expenses of the aging population in China under the background of rise will make the medical security system is facing great pressure of expenditure,will lead to the medical insurance fund basic conclusion income gap.(2)We make an optimization design of the China Basic Medical Insurance system for employees as a whole.It is suggested that the scale of individual accounts should be gradually reduced,and the outpatient co-ordination system should be improved simultaneously.Under the mode of combination of accounts and accounts,the implementation of "large overall and small accounts".Will be engaged in economic activities of all workers are included in the scope of protection,and gradually extend the insured contributions.Through the establishment of long-term care insurance and the integration of urban and rural basic medical insurance system,improve the social security system,the formation of a unified pattern of social security management.In the process of optimizing the system design,we should pay attention to the coordinated development of capital raising,payment means and management.(3)This paper puts forward three implementation steps of the system optimization,which is the further refined and deepen the study,and enriches the existing research contents.2017-2018 years,the construction of a national network of remote medical settlement platform to alleviate the economic pressure of the elderly insured remote medical treatment;2019-2020 years,the establishment of long-term care insurance policy framework to promote the basic medical insurance system to run more smoothly;2021-2025,integrate the urban and rural basic medical insurance system into one,and ultimately achieve healthy aging.The three steps are to further refine and deepen the research,enrich the existing research content.We should rely on big data technology to the insured medical information on the deeper levels of information mining;to national insurance plan as an opportunity to break the public service information barriers,in-depth implementation of the "Internet plus service" 2020 action plan.We should use big data to improve regulatory efficiency,through data mining to select the insured and medical personnel to identify the adverse selection behavior,to build a harmonious relationship between medical insurance. |
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