Study On Regional Difference Of Basic Medical Insurance Fund For Urban Workers In Shandong Province

The basic medical insurance for urban workers is the core of the basic medical insurance system.Pension fund balance is an important guarantee for the sustainable development of the system.From the perspective of Shandong province,there are many differences between basic medical treatment insurance fund income,treatment expenditure level of income and expenses balances.What’s more,in some areas,the proportion of retirees is too high and.medical costs rise too quickly.which causes funds do not cover the current charge.With the acceleration of the aging population of various prefectures,the fund is facing more severe income and expenditure pressure,and the regional differences are widening.For a long time,for the provincial town worker is basic medical treatment insurance to run the regional differences of empirical study is less,using an actuarial model of regional future fund income gap actuarial prediction comparison analysis of the book is very little.Therefore,this paper selected the 17 cities in Shandong province,the date is about insurance of primary medical treatment,which taking the horizontal and vertical comparison analysis to analyze every city from 2012 to 2016 employees of the operation situation of fund of insurance of primary medical treatment.Second,the article based on the 2012 to 2016 fund of insurance of primary medical treatment history data as the foundation,which build unified planning fund of the basic medical insurance actuarial model of payments and analysis employees of each level from 2017 to 2026 as a whole of fund of insurance of primary medical treatment charge.Thirdly,the main influencing factors of regional difference development of basic medical insurance fund were explored,and the main influencing factors were analyzed by SPSS data analysis.Finally,based on the above research,the author puts forward some Suggestions on how to promote the sustainable development of basic medical insurance for urban workers in Shandong province.Through research in this paper,I draw the following conclusions: under the current policy,there are regional differences between the per capita income of the basic medical insurance fund for urban workers in Shandong province,the per capita treatment expenditure and the balance of income and expenditure in 2012-2016.For example,In 2016 the highest per capita income of the basic medical insurance fund was 1.84 times the lowest.The fund has the highest remaining balance of A city,which is 14.385 billion yuan higher than the lowest Q city.By establishing the basic medical insurance fund balance of payments in 2017-2026 an actuarial model,it can be seen in the next decade funds run there are regional differences and regional funds income gap in different time,further intensify the fund income and expenditure differences.As S city as A whole fund of insurance of primary medical treatment in 2017 income gap,G city as A whole fund of insurance of primary medical treatment will not appear in the next 2 years income gap,there will be no income gap in A city in the next five years.At the same time,it is found that the regional difference of the basic medical insurance funds in different prefectures in Shandong province is caused by the economic development level,population structure and policy system of various prefecture-level cities.