On Revenue And Expenditure Of The Basic Medical Insurance Fund For Urban Residents In City A—A Case Study

Since the reformation of Urban Employee Basic Medical Insurance System in 1998, New Rural Cooperative Medical Care System in 2003 and the Basic Medical Insurance scheme for Urban Residents in 2007, our country has basically established a universal health insurance system. Among them, the basic medical insurance for urban residents as an underpinning system has effectively guaranteed the minors, students, non-employed residents, and the elderly residents? medical needs. Besides, the effective and balanced operation of the basic medical insurance fund for urban residents is the basis of maintaining the urban resident basic medical insurance system?s normal operation and sustainable development.The city A has established the basic medical insurance system for urban resident since 2008, which has made great achievements to meet the urban residents? medical needs in A. However, there are still some problems in maintaining the balanced operation of basic medical insurance fund for urban residents. If the issue can?t be solved timely, it will affect the sustainable development and the utility of the basic medical insurance system for urban residents. Therefore, it is necessary to analysis the factors of operation condition and the influence of the basic medical insurance fund for urban residents in city A,which will help to explore good ways to maintain an effective and balanced operation of the fund.Firstly, this paper introduces the city A’s basic medical insurance system for urban residents, and displays total revenue and expenditure, revenue and expenditure classification, sources of income, orientation of expenditure of the basic medical insurance fund for urban residents from July 2008 to August 2014. And then presents the problems of income over expenditure, structural imbalance and the high dependence from financial aid for many years basic medical insurance fund for urban resident in A.Secondly, according to the basis of statistical sorting the number of fund balance amount, payment amount, treatment amount, medical expenses and other data of the medical insurance fund for urban residents in A city from July 2008 to August 2008,the paper makes an analysis to the operation condition and the influence factors of the basic medical insurance fund for urban resident in A from the two aspects: fund income and expenditure. In the aspect of fund income, it mainly analyze the impact of "the number of insurance payment people" and "pay cost level"; and in the aspect of fund expenditure, it focus on the analysis of the influence of "the growth of medical costs", "the improvement of treatment standard ", "the releasing of medical treatment demand " and "adverse selection and moral hazard" to the medical insurance fund for urban residents in A city.Finally, on the basis of the above analysis, the paper makes some thinking and analysis about the original desire of fund balance and system security, the fairness of using the fund, the balance between income and expenditure of the basic medical insurance of urban residents, the choice of the ways to be insured, and also the sustainable and independent development of the basic medical insurance fund for urban residents. And finally the paper make a conclusion on how to solve the issue the fund is facing with, and how to maintain the effectively smooth operation of the basic medical insurance fund.