影响参保老年人医疗保险统筹基金平衡的因素研究

人口老龄化对医疗保险基金平衡构成巨大压力。以60~90岁参保的老年人医疗保险统筹基金支出和医疗保险统筹基金结余间关系,考虑年龄、保险规模、实际支付水平、医疗费上涨、基金保值等因素,研究代际转移支付制度应对老龄化背景下的医疗保险政策策略。研究表明,长期有效的维护医疗保险统筹基金平衡需要在现有医疗保险政策下,加强医疗保险基金的保值增值。一个较高的保值率才能满足医疗保险面对人口老龄化、医疗费用上涨的动态平衡。

Research on the Factors that Influencingthe Balance of Medical Insurance Unified Fund for Elderly Participants

Aging population put great pressure on the balance of medical insurance funding.Based on the relation between expenditure and balance of medical insurance unified fund for elder participants between sixties and nineties years old considering the factors such as age,insurance scale,practical expense level,increasing cost of medical service,fund value maintaining and so forth,The research studied the medical insurance policy strategies of inter-generational transition payment system under the background of ag...