%0 Journal Article
%T 我国基本医疗保险基金使用现状、存在问题及解决对策<br>The Current Situation, Problems and Solutions of the Basic Medical Insurance Fund in China
%A 邓时玉
%J Sustainable Development
%P 1599-1610
%@ 2160-7559
%D 2022
%I Hans Publishing
%R 10.12677/SD.2022.126184
%X 医疗保险基金作为参保人的“救命钱”，其使用状况关系着人们享有医疗保障的水平。本文通过分析我国基本医疗保险基金的使用现状，发现目前我国医保基金使用中还存在着医保基金使用效率不高、医保基金处于贬值的状态、医保基金被挪用和滥用现象依然存在、医疗保险基金面临着收支平衡的压力以及医保基金使用地区间不平衡的问题，因此提出拓展医保基金保值增值的渠道、加强对医保基金的监管、提高基本医疗保险的统筹层次以及逐步取消城镇职工基本医疗保险的个人账户的解决对策，以此来提高我国基本医疗保险基金的使用效率，更好地发挥医保基金的作用。<br />
As the “life-saving money” of the insured, the use of the medical insurance fund is related to the level of people’s medical security. By analyzing the current situation of the use of basic medical insurance funds in China, this paper finds that there are still some problems in the use of medical insurance funds, such as inefficient use of medical insurance funds, devaluation of medical insur-ance funds, misappropriation and abuse of medical insurance funds, pressure on medical insurance funds to balance income and expenditure, and imbalance between regions where medical insurance funds are used. Therefore, it is proposed to expand the channels for maintaining and increasing the value of medical insurance funds, strengthen the supervision of medical insurance funds, improve the overall planning level of basic medical insurance, and gradually cancel the personal accounts of urban workers’ basic medical insurance, so as to improve the efficiency of the use of basic medical insurance funds in China, and better play the role of medical insurance funds.
%K 医保基金，使用现状，存在问题，解决对策<br>Medical Insurance Fund
%K Current Situation
%K Problems
%K Solutions
%U http://www.hanspub.org/journal/PaperInformation.aspx?PaperID=57663