“健康中国”目标下完善我国多层次医疗保障体系的探讨

我国已经建立了以基本医疗保障为主体、其他多种形式保险为补充的多层次医疗保障体系,但仍严重依赖基本医疗保险制度提供保障,各个层次存在发展不平衡、保障模式单一、交叉重复等问题,在医疗消费水平日益上涨和人口老龄化的多重因素作用下,基本医疗保险制度可持续性受到挑战。在实现全民医保和确立"以健康为导向"的建设目标基础上,需要对多层次医疗保障制度进行重新建构。本文建议以"调结构、强衔接、分类保障"为主要内容对现有多层次医疗保障体系架构进行完善,并提出建立多层次医疗保障共建共享机制、完善相关技术支撑体系和强化商业医疗保险市场监管等配套措施以促进多层次医疗保障体系的顺利实施。

Study of improving China's multi-level medical security system under the goal of "Healthy China"

China has established a multi-level medical security system supplemented by the basic medical insurance and other forms of supplementary insurances and commercial health insurances. However, it still relies heavily on the basic medical insurance system to provide medical security. At various levels, there are several problems such as unbalanced development, monotonous security model, and overlapping systems. And it must be worth paying attention that under the influence of multiple factors such as rising medical costs and an aging population, the sustainability of the basic medical insurance system is challenged. On the basis of achieving a universal health insurance and establishing a "health-oriented" construction goal, it is necessary to re-construct the multi-level medical security system. This paper proposes to improve the existing multi-level medical security system structure with the theme of "adjusting structure, strong convergence, and segmentation of medical security", and proposes supporting measures such as establishing a multi-level medical security joint construction and sharing mechanism, improving relevant technical support systems, and strengthening commercial medical insurance supervision to promote the smooth implementation of the multi-level medical security system.