Migrant Workers Medical Insurance Model Optimization Analysis

Social security system is the system of socialist market economy importantcomponent, a sound social security system is the inevitable demand of constructingsocialist harmonious society, is also the important symbol of social civilization.Party’s sixteen sessions of six CCP plenary conferences proposed explicitly, to2020the basic establishment of social security system covering both urban and ruralresidents, this is our country development strategy to further comprehensive,coordinated, sustainable and scientific outlook on development one of the importantsigns of change. The party’s seventeen plenary session also put forward to want toimplement the wide coverage, and basic, multi-level, sustainable developmentprinciple, accelerate system of perfect social security. The basic set up covering allurban and rural residents social medical security system, to realize social fairness,social harmony is the key, is also the economic and social development to a certainstage of the inevitable result. Medical insurance system is the product of the industrialrevolution and social progress, the modern state is one of the important economic andsocial system. In1998December decision of the State Council on public health andmedical insurance system on the basis of migrant workers, to build a major insuranceobject of new migrant workers medical insurance system, and in the nationwide werecarried out in the round, after one year of reform and practice, China’s basic medicalinsurance system has been gradually into the track of rapid development, theorysystem gradually clear, right and obligation gradually straighten out the runningmechanism, mature, gradually expand the coverage, initially built in line with therequirements of the socialist market economy system of medical insurance system.Also should see at the same time, China ’s medical insurance system still exists inurban and rural development is not balanced, the level is low, the system is not perfectwait for a lot of problem. In recent years the community generally reflect the "difficult to see a doctor, see a doctor expensive" wait for a problem, with the majorityof members of the society were not included in the medical insurance, cannot getbasic medical security, and social medical security system is not perfect, not perfect isclosely related to the. At present, our country economy developed area city is building cover all urban and rural workers medical insurance mode, however, this model stillneed quite long time in the process, some of the patterns are not universalapplicability, and even the emergence of this or that some problems, such as: somearea medical insurance fund to severe deficits, medical insurance can not run, andsome areas and the city medical insurance fund mass balances, not only increased theunit and the insured person ’s burden, but also waste a lot of social resources and thehealth insurance fund to use efficiency, these problems should bring the governmentand relevant departments is enough take seriously, and actively take measures to try tosolve seriously. This article mainly from the migrant workers medical securityuniversal coverage point of view, to realize this system conception and policy designexploration. Reasonable construction of the universal applicability of the medicalinsurance coverage pattern, health insurance coverage mode under the balance ofmedical insurance fund, in order to solve the imbalance of the intrinsic problem.