我国医疗保险的问题与对策

我国医疗保险存在的问题：医疗费用高与医疗覆盖率低;统筹层次低,转诊困难与医疗保险基金抗风险能力差;基金管理水平低,监督弱化;立法滞后.其对策：扩调医保报销目录和诊疗项目,降低个人实际负担;加快医保立法进程;加强监管,规范运作,优化流程,确保基金安全;医保经办人员实行就业准入制度.

Problems and Countermeasures of Our Country''''s Medical Treatment Insurance

Following are the problems existing in our country: higher price for the medical treatment, low rate of coverage, low level of overall planning, difficult to be transferred to another hospital, low risk-resistance ability of the medical insurance premium; low level of fund management, weak supervision, backward legislation. Countermeasures: broadly expanding the list coverage of the medical expenditures to cut down the individual burden; accelerating the procedure of the legislation; heightening the supervision; regulating the operation , optimizing the processes, ensuring the security of the funds; practicing the regulation of ratifying employment of the medical personnel.