在城镇职工基本医疗保险制度建立过程中,困难企业及其职工参保难是阻碍医疗保险制度改革进程的重点和难点问题。为了切实维护广大职工的社会保障权益,我们对困难企业及其职工参加基本医疗保险面临的情况和问题进行了调查研究,综合分析了困难企业参加基本医疗保险难的原因及由此带来的负面影响,结合各地为解决困难企业保险难问题所出台的政策和做法,提出了若干政策建议。相信这会对进一步推动我国城镇职工基本医疗保险制度的建立和完善,起到积极的作用。 In the process of setting up the basic medical insurance system for urban workers, it is difficult and difficult for the enterprises and their employees to participate in the insurance system to hinder the reform of the medical insurance system. In order to effectively safeguard the social security rights and interests of the vast numbers of workers and staff members, we conducted a survey and study on the problems and problems faced by enterprises and their employees in participating in the basic medical insurance and analyzed the reasons for the difficulty of participating enterprises in the basic medical insurance and the resulting negative results Influence, combined with various local policies and practices promulgated to solve the difficult insurance problems of difficult enterprises, put forward a number of policy recommendations. I believe this will further promote the establishment and improvement of the basic medical insurance system for urban workers in our country and play a positive role.