【摘要】 城镇居民医保的目的在于减轻参保居民家庭医疗负担,因此应确保低收入者在遭遇相同风险时能拥有与高收入人群相同的支付能力,即保证医保筹资的公平性。基于课题组对江苏省有关地区筹资公平性的调查,筹资标准划分应充分考虑到收入水平的差异,"低保费,高共付率"的城镇居民医保制度对低收入人群的筹资保护作用有限,城镇居民医保筹资体系具有累退性;依据收入水平建立多层次的医疗保障制度,并通过居民医保制度设计降低低收入人群共付率,可以缓解其"因病致贫"和"因病返贫"的问题。更多还原

【Abstract】 The medical insurance of urban citizens aims to alleviate medical burdens of citizens and therefore,should ensure that people with low income have the same capability with those with higher income to pay when confronted with same risks,i.e.,to ensure a fair fundraising for medical insurance.According to the survey of fundraising fairness in relative regions of Jiangsu,gap in income should be considered during the setting of fundraising criterion.The medical insurance system of "low insurance investment and high common payment" has a limited protection for low-income people and the fundraising system is decreasing.The problems of "poverty due to sickness" and "returning to poverty due to sickness" can be alleviated by establishing a multi-level medical security system according to income and by decreasing common payment by low-income people through designing people’s medical insurance system.更多还原