基于投入-产出视角的职工医保和居民医保对比分析 —以四川省21个统筹地区为例

Abstract: Objective Under the background of the establishment and development of multi-level medical security system, this paper makes a comparative analysis of different basic medical insurances from the input-output perspective, and explores the input-output problems of Urban Employed Basic Medical Insurance (UEBMI) and Urban-rural Residency Basic Medical Insurance (URRBMI) from the perspective of the insured, so as to provide reference basis for the further improvement of multi-level medical security system. Methods The cost (input) -effect (output) evaluation method in economics was used, the actual compensation ratio of hospitalization was used as the output index, the absolute and relative costs of the two types of insurance were measured, and the input-output ratio and incremental cost-effective ratio (ICER) of the two types of basic medical insurance were analyzed. Results The per capita premium (absolute cost) of UEBMI in 21 overall planning areas was 5-12 times that of URRBMI, and the proportion of premium of UEBMI (relative cost) was about 3-7 times that of URRBMI. The input-output ratio of URRBMI is 2-5 times that of URRBMI, and URRBMI in two regions has absolute cost-effectiveness advantage. Conclusion The per capita input of UEBMI is far more than that of URRBMI from the perspective of the insured. The input-output efficiency of UEBMI is lower than that of URRBMI. The cost-effectiveness advantage of UEBMI will gradually weaken.