The Research On The Present Basic Medical Insurance Of Urban Flexible Employees In Shijiazhuang

Along with the further development of socialist market economy,flexible employment has become an important channel of employment.The medical security problems of flexible employees has aroused the concern of the governments at all levels.The introduction of policy has allowed the flexible employees to participate in medical insurance policy.Around the flexible employment to participate in medical insurance in the implementation of the policy process,it also exposed all sorts of problems.This article mainly talks about flexible employees in the urban area of Shijiazhuang.We also analyze their problems in the process of taking part in the medical insurance and try to put forward solutions.The first chapter is the introduction.It has introduced the background of the research,the significance of the research,the methods of the research,the ideas of the research and the frameworks of the research.The second chapter is talking about the definition and theoretical basis of related concepts.In it,we mainly introduce the flexible employment,informal employment,flexible employment medical insurance system,and the differences and relations between flexible employment and informal employment.The theoretical basis of this part mainly introduces Maslow’s theory of hierarchy of needs,labor market segmentation theory and the theory of medical insurance.The third chapter is the analysis of the current situation of medical insurance and flexible employment in Shijiazhuang.In chapter 3,we try to estimate the number of flexible employment and medical insurance participants in the urban areas of Shijiazhuang City.At the same time,we introduces the policy of flexible employment to participate in the medical insurance policy in Shijiazhuang.In this part,we mainly talk about the problems which have existed in the process of policy implementation from the aspect of the policy and the insurance center staff.The problem lies in the following aspects,namely complex material,the medical insurance and pension insurance has been tied up,relatively strict limit qualification on the flexible obtain employment,the higher scale of payment base and payment ratio,capture expends fixed number of year is longer,adverse selection is widespread,owe transfer rate is higher,etc.On the other hand,we analyze the causes of the problem through the unstructured interview of the flexible employees who have participated in or do not participate in the basic medical insurance.The reasons are as follows:they do not understand the related policy.At the same time,they think there is no need to participate in the medical insurance when they are young.Also,there is no need to participate in the medical insurance when they have joined the new rural cooperative medical insurance.In the fourth part,we draw lessons from part of the provinces,cities and towns.In it,we mainly talk about Chongqing’s comprehensive cooperative medical insurance of urban and rural residents,the institutional transfer of Sichuan’s flexible employment insurance and the medical insurance in Guangzhou City.We analyze the advantage of the three policies,and then dig out the reference value to Shijiazhuang city.The fifth chapter is the conclusion of the study.The problems of flexible employee who have participated in medical insurance in the medical insurance process are mainly manifested in the following three aspects:the policy itself,flexible employees themselves and the poor interaction between policy and flexible employees.In view of the problems that have appeared,we put forward seven solutions.For example,we should simplify the material.AT the same time we should cancel the registered permanent residence restrictions and so on.Only in this way can we do it better in the future.