Research On The Financing Of Basic Medical Insurance For Urban And Ru Ral Residents In Leiyang City

In the process of the basic medical insurance system for urban and rural residents from being piloted in 2016 to being rolled out nationwide in 2020,various regions have formulated financing methods that meet the conditions of the region in accordance with national guidelines,and the number of residents enjoying urban and rural medical insurance has continued to increase,And have a certain surplus space.However,the rising cost of residents’ financing is not conducive to the balance between the amount of funds raised and the amount of reimbursement in the future.Leiyang City is also facing the problem of difficulty in achieving the financing goals caused by the backward financing mechanism.This study starts from the basic medical insurance system for urban and rural residents in Leiyang Starting from the problems existing in the implementation,referring to domestic and foreign experience,put forward opinions and suggestions on optimizing the financing methods of the basic medical insurance for urban and rural residents,which has very important theoretical and practical significance for the improvement and development of the basic medical insurance system for urban residents.This research is based on the normative research method,questionnaire survey and comparative research method,and focuses on the core element theory of quasi-public products.It provides basic medical care for urban and rural residents in Leiyang from four aspects: the principle of resident financing,the status quo of government functions,the composition of financing channels,and financing guarantee measures.The current situation of insurance financing is elaborated,and combined with the investigation of residents,the following problems are found in the financing of basic medical insurance for urban and rural residents in Leiyang City.;The second is the imperfect government financing service;the third is the relatively simple structure of financing channels,which is reflected in the increasing pressure of residents’ financing and the residents’ demand for external channels is difficult to meet;fourth,the financing security system has not been established,which is reflected in the lack of publicity of medical insurance financing and primary care Protection needs to be improved.The main reasons for the problems are: the lack of flexibility in the implementation of grassroots policies,the unreasonable allocation of financial investment,the difficulty of establishing a benefit compensation mechanism,and the solidification of the thinking of focusing on financing and neglecting security.With reference to domestic and foreign residents’ medical insurance financing experience,in view of the existing problems and reasons,it is proposed: First,improve the fair mechanism of medical insurance financing,including strengthening the flexibility of policy implementation,implementing differentiated collection plans,and exploring the path of multi-insurance;Improve government financing service functions,including realizing the dynamic adjustment of financial investment,improving the government’s comprehensive service level,and building a medical insurance information service platform;the third is to broaden the residents’ medical insurance financing channels,including strengthening the rational distribution of financing benefits,building a long-term financing sharing mechanism,and attempting to introduce external sources Fund-raising channels;the fourth is to build a medical insurance fund-raising guarantee system,including cultivating fundraising guarantee thinking,publicizing the direction of fund use,and improving the primary medical system.