The Changes Of The Three Basic Medical Insurance Systems And The Integration Of The System In China

January 2016 the State Council issued the opinions on the integration of urban and rural residents basic medical insurance system,will be the subject of a controversial health care system integration issues once again become a hot social issues.After the reform and opening up,the urban and rural"division" system in the planned economy period has been replaced by the basic medical insurance system of urban workers,the basic medical insurance system of urban and rural residents and the new rural cooperative system,each of the three basic medical insurance systems independently run,Coupled with the urban and rural medical assistance system," three basic medical insurance system and the help medical security system in the social security system of our country occupy an important position..But with the reform of market economy system,"segmentation" of the medical insurance system has been unable to meet the requirements of social development,Repeat insured problem highlights,serious waste of resources,medical insurance management efficiency is low,make the integration of the basic medical insurance system is gradually becoming a social consensus.Overall,the possibility of the three basic medical insurance system determines the homogeneity of system integration,the complexity of the institutional difference decides the system integration.Long term urban and rural two yuan partition mode and regional economic differences,leading to the system integration can not be implemented in the national unity,can only choose the pilot test approach.But the integration approach taken by the pilot areas where serious color,there is no unified,universal integration approach,so that the original in the fragmentation of the health insurance system into a re fragmentation of the paradox.Combined with the local pilot test can be found,new rural cooperative medical care system and medical insurance system for urban residents with high similarity,to consolidate into urban and rural residents in the basic medical insurance system,the two system integration difficulties is that after the integration of the administrative management of the ownership problem.The basic medical insurance system and employee basic medical insurance system in terms of payment,payment of benefits and other there are huge differences,to urban and rural residents in the basic medical insurance system for the transition,gradually narrowed system difference,to achieve the "Three Guarantees" do system ready.In this paper,through combing the three basic medical insurance system,compare the similarities and differences between the three basic medical insurance system,looking for the convergence point of the system;Secondly,the necessity of the integration of the analysis system of the adverse effects revealed by the"division" operation of the system;And then through the analysis of the current situation and problems of the integration of the pilot,it is difficult to explore the reasons for the integration of the system;Finally,put forward the corresponding countermeasures and suggestions to promote the smooth progress of the integration of medical insurance system.