A Study On The Balance Of Income And Expenditure Of Basic Medical Insurance Fund For Employees In B

The development history of urban em ployee basic medical insurance system is longer,the system is relatively sound,but in the current circumsta nces,it is still faced with many problems.As a whole account capital spending too much too fast,the worker medical insurance personal accounts d eposit,decreased along with the aging of the population and the worker wages growth,a high incidence of chr onic disease,the continually increasing of medical expenses,those made the payment of town worker medical insurance is more and more big as a who le fund pressure,the health insurance charge do not cover the time getting closer.With B as the research object,this thesis based on this to worker health care as a whole fund as the main body,through the establishment of medical insurance fund income and expenses balance model and the cumulative model,The income and expenditure of the medical insurance pooling fund in a period of time in the future are predicted,and the new balance of the medical insurance pooling fund is achieved by adjusting the scenario simulation of policy parameters,so as to provide suggestions and basis for the further improvement of the medical insurance system.B,this thesis based on the analysis of the present situation and problems of medical insurance fund,establishing t he model of medical insurance fund balance of payments.Respectively,using the PDE model and ARIMA model to forecast the population and the worker pay,then affect the balance of other relevant parameters,setting a reasonable measure under the current po licy of medical insurance system.The future sustainability of the fund to run over a period of time are face d with the challenge of a certain funds in the current deficit in 2027 forecast period,as a whole account balance cumulative deficit for the first time in 2033.The final results show that the increasing income of the employee medical insurance fund is mai nly due to the increase of the employee salary,but the growth rate shows a downward trend,and the fund expenditure increases year by year with th e increase of the medical cost caused by the change of the population structure,and the growth rate graduall y increases.On this basis,this paper carries out the corresponding scenario analysis of simulated policy adjustment,and finally draws the follow ing conclusions:In order to maintain the balance of medical insurance fund,we should take positive measures from now on,mainly divided into fund income and expenditure and other aspects.In terms of fund income,it is necessary to implement the gradual retirement policy,increase the proportion of transferred into the overall planning account and the outpatient mutual assistance policy;in terms of fund expenditure,it is necessary to reduce the medical expenses of the elderly by means of medical cost control and hierarchical diagnosis and treatment;in addition,it is necessary to give play to the function of maintaining and increasing the value of the fund,improve the medical insurance system and strengthen the information management of provinces and cities.