分层统账结合模式的探索——黑龙江省职工医疗保险制度改革现状与分析

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党的十四届三中全会在总结过去医疗保险制度改革(以下简称医改)经验的基础上,提出了城镇职工医疗保险实行社会统筹与个人账户相结合的原则(简称统账结合)。根据这一原则,各省、市富于创造性地推出以镇江、九江为代表的“三段通道式”医改模式;以海南为代表的“双轨制或板块式”医改模式;以深圳、珠海为代表的介于“两江”、海南之间更加灵活的支付方式的医改模式;以及青岛、天津等为代表的“三金式”医改模式。这些医改模式日益成为全国医改关注的热点。在“两江”经验的推动下,黑龙江省原公费医疗管理系统基本实行 The Third Plenary Session of the 14th Central Committee of the Communist Party of China proposed the principle of combining social pooling with individual accounts for medical insurance for urban workers (referred to as the combination of accounts and funds) on the basis of summing up past medical insurance system reform (hereinafter referred to as medical reform) experience. According to this principle, all provinces and municipalities have creatively launched the “three-passage” medical reform model represented by Zhenjiang and Jiujiang; the “dual-track or plate-type” medical reform model represented by Hainan; the medical reform model represented by Shenzhen and Zhuhai The medical reform mode between the “two rivers” and the more flexible payment method between Hainan; and the “three gold” medical reform model represented by Qingdao and Tianjin. These medical reform models have increasingly become the focus of national medical reform. Driven by the experience of “two rivers”, the original public medical management system in Heilongjiang Province basically came into operation
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