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目前,我国覆盖城乡的全民医保制度体系已经形成,主要为城镇职工基本医疗保险、城镇居民基本医疗保险、新型农村合作医疗和城市、农村医疗救助制度构成的“三险二助”模式。这些制度的实施,对缓解群众看病难、看病贵,解决群众医疗保障问题起到了一定效果。但随着我国城乡一体化的快速发展,该制度体系面临着深层次的矛盾和问题,需要尽快加以完善。为此,笔者以江西省赣州市为例,从工作实践的角度分析现行四项制度存在的问题并提出整合建议。
At present, China’s system of universal coverage of medical insurance covering urban and rural areas has been formed, mainly consisting of the “three risks and two subsidies” model consisting of the basic medical insurance for urban workers, the basic medical insurance for urban residents, the new rural cooperative medical system and the urban and rural medical assistance system. The implementation of these systems has played a certain effect in alleviating the difficulties of seeing and treating the people, making expensive visits and solving the problems of the people’s medical security. However, with the rapid development of the integration of urban and rural areas in our country, the institutional system is facing deep-rooted contradictions and problems and needs to be improved as soon as possible. For this reason, the author takes Ganzhou City, Jiangxi Province as an example, analyzes the existing problems of the four existing systems from the perspective of work practice and puts forward suggestions for consolidation.