国务院办公厅近日印发《关于健全基本医疗保险参保长效机制的指导意见》，提出推进居民医保缴费与经济社会发展水平和居民人均可支配收入挂钩，以完善筹资政策，保持财政补助和个人缴费的合理比例结构。这一政策的出台旨在提高医保制度的可持续性，确保医保基金的稳定来源，从而更好地保障人民群众的基本医疗需求。
意见明确指出，对于特困人员、最低生活保障对象、符合条件的防止返贫监测对象等困难群众，将按照有关规定给予分类资助，确保他们能够及时参保并享受相应的医疗保障待遇。此外，对于领取失业保险金的人员，将使用失业保险基金支付其职工医保费用，确保与参保职工享有同等待遇。
为了适应就业形式的多样化，意见还提出研究完善灵活就业人员的参保缴费方式，以满足不同群体的参保需求。同时，支持职工医保个人账户用于支付参保人员近亲属参加居民医保的个人缴费及已参保的近亲属在定点医药机构就医购药发生的个人自付医药费用，进一步扩大个人账户的使用范围。
这一政策的实施，不仅有助于提高居民医保的覆盖面和保障水平，也有助于减轻参保人员的经济负担，对于促进社会公平正义和保障人民群众健康具有重要意义。随着政策的深入实施，预计将会有更多的群众受益，从而为构建更加完善的社会保障体系打下坚实基础。
英语如下：
News Title: “New Regulations by the State Council Office: Linking Medical Insurance Contributions to Income to Enhance People’s Livelihood Protection”
Keywords: Medical Insurance Funding, Residents’ Income, Support for the Disadvantaged
News Content: The State Council Office has recently issued the “Guidance Opinions on Establishing a Sustainable Mechanism for the Participation in Basic Medical Insurance for Residents,” proposing to promote the linking of resident medical insurance contributions to the level of economic and social development and the average disposable income of residents, in order to improve funding policies and maintain a reasonable proportion between government subsidies and individual contributions. This policy aims to enhance the sustainability of the medical insurance system, ensure a stable source of funds for the medical insurance pool, and thus better protect the basic medical needs of the people.
The guidance clearly states that for individuals in difficulty, such as those in extreme poverty, recipients of the minimum living standard subsidy, and those who have been monitored for preventing poverty re-emerging and meet the conditions, targeted support will be provided according to regulations, ensuring they can join the insurance and enjoy corresponding medical protection benefits in a timely manner. Additionally, for those receiving unemployment insurance benefits, the unemployment insurance fund will be used to cover their medical insurance for employees, ensuring they receive the same treatment as insured employees.
To adapt to the diversification of employment forms, the guidance also proposes to study and improve the ways for flexible workers to participate in and pay for medical insurance, to meet the needs of different groups. Moreover, it supports the use of individual medical insurance accounts to pay for the individual contributions of close relatives of insured individuals who participate in resident medical insurance, as well as the personal co-payments for medical expenses incurred by already insured close relatives at designated medical institutions, further expanding the use of individual accounts.
The implementation of this policy not only helps to expand the coverage and improve the level of resident medical insurance but also alleviates the economic burden on insured individuals, which is of great significance for promoting social fairness and justice and safeguarding the health of the people. With the in-depth implementation of the policy, more people are expected to benefit, thus laying a solid foundation for the construction of a more perfect social security system.
【来源】http://www.chinanews.com/life/2024/08-01/10261642.shtml
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