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医疗个人账户是对传统医疗保险模式的一次重大改革,目前已经在多个国家应用,其设计思想和应用结果也正日益引起人们的兴趣。中国自从1994年“两江试点”以来,在法定医疗保险制度中引入个人账户,已经过了10多年的历史,但是医疗个人账户在医保制度中的功能和影响一直存在争议。本文通过对葫芦岛、苏州、福州等地的调研,分析我国医疗个人账户的实际作用以及缺陷,希望为未来的政策调整提供依据。
Medical personal accounts, a major reform of the traditional medical insurance model, have been applied in many countries at present and their design ideas and application results are also increasingly arousing people’s interest. Since the pilot project “Two Rivers in 1994”, China has been in the process of introducing personal accounts in the statutory medical insurance system for more than 10 years. However, the function and influence of medical individual accounts in the medical insurance system has been controversial. This article through the Huludao, Suzhou, Fuzhou and other places of research, analysis of the actual role of personal medical accounts and defects in China, hoping to provide the basis for future policy adjustments.