职工医疗保险制度改革，在“两江”试点后，１９９６年已在全国５０多个城市扩大试点，我市也列入试点城市之一，基本做法按镇江模式，建立个人帐户和社会统筹相结合。通过近一年的运行，对“统帐结合”这个办法，谈一点浅见，与同道研讨。一、“统帐结合”中存在的问题（... After the “Two Rivers” pilot, the reform of the medical insurance system for workers and staff members was expanded in more than 50 cities across the country in 1996. This city is also included in the pilot cities. The basic approach is to combine the individual accounts with social pooling in accordance with the Zhenjiang model. Through nearly a year’s operation, I have discussed the “integration of books and accounts” method and talked with fellow practitioners. I. The Problems in the “Unified Accounts Combination” (...