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Research on the Difficulties and Reform Paths of Basic Medical Insurance Individual Accounts in China

摘要


In 1998, China established the basic medical insurance system for urban employees, combined with the individual accounts. However, disadvantages of individual accounts have gradually appeared in recent years. This paper elaborated the background and original intention of the individual accounts, analyzed the problems and causes, sorted out the typical reform modes, and finally put forward policy suggestions on the improvement of individual accounts.

參考文獻


Y. S. Yang. Replacement of Rights and Options for Improving Individual accounts Policy of Medical Insurance, China Labor Security News, vol. 06 (2017-05-06).
M. L Zhu, T. Li, Y. Liu. Research on the operation efficiency of medical Individual accounts of urban employees, Insurance Research, (2018) No. 3, p.91-105.
Y. Peng, M. Zhang, J. J. He, et al. Practice and consideration on improving individual medical savings account for urban employees, China Health Resources, Vol. 20 (2017) No. 1, p.19-23.
G. W. Huang, Y.H. Wang, Research on the reform and development of China's individual accounts for medical insurance - based on the practice and experience of horizontal vertical, Hanjiang Academic, Vol. 37 (2018) No. 3, p.19-26.
Z. Y. Yang. Research on the development path of Individual accounts of medical insurance, Health Economics Research, (2015) No. 11, p.45-47.

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