Insured Problems And Research Of Private Enterprises' Medical Insurance In Jinjiang City

Since the reform and opening up,the party and the state have been continuously innovating and improving their policies in promoting private economic development.After nearly 40 years of development,the private economy has become an important part of the socialist market economy.With the development of social livelihood construction,the rights of social insurance for employees of private enterprises are still being paid attention to in exploration.However,it is a difficult process from the rationality of formulation to implementation,especially in the basic medical insurance system.With economic development,the workers and staff have a relatively full and adequate life,but they still face the risk of "returning poverty due to illness".Many private enterprises and their employees still do not enjoy the benefits of the medical insurance system for employees,and improving and perfecting medical insurance for private enterprises is still a necessary task for the collection of medical insurance in China at this stage.Private enterprises and employees in Jinjiang City made significant contributions to the development of the private economy in the city.Their willingness to participate in the insurance and their participation in insurance activities have had a major impact on the integration of basic medical insurance in the region.From the perspective of grass-roots work of the urban staff basic medical insurance management agency,this article collects information on the types of employees participating in the medical insurance of the city,the stability of the employees' participation in the insurance,the bases for participating insurance contributions,and the collection and payment of medical insurance premiums.This paper expounds that the medical insurance for employees of private enterprises in Jinjiang City has problems such as low coverage of insurance,backward construction of medical insurance management teams,and lack of responsibilities for participating in administrative sanction.Through analysis,it is pointed out that private enterprises pursue maximization of benefits and evade participation,the lack of legal consciousness in the enterprise employment system,and lack of administrative supervision mechanisms lead to low coverage.Finally,from the perspectives of enterprises,employees,and government,it is proposed that specific measures should be taken to improve the enterprise employment environment,improve the medical insurance system,improve the government's public service,and strengthen the supervision of the insurance administration.