农民工大病医疗保险“只保当期,不计参保年限”的政策忽略了农民工身份转换和农民工老年医疗保障的问题,其与城镇职工基本医疗保险间的转移和衔接问题亟待解决。少数城市已经探索的三种转移和衔接模式各有特点,可以相互补充,灵活解决农民工大病医疗保险的转移和衔接问题。折算和补缴的计算依据至关重要,单纯按照单位所缴费率的差异来计算对农民工是极其不合理的,单位所缴费用应扣除划入个人账户部分,还应考虑到农民工大都年轻、发病率低,为统筹基金贡献很大且统筹基金理应由用人单位而非职工缴纳等多个因素。 Migrant workers serious illness medical insurance “only the current period, regardless of the length of insured ” policy ignores migrant workers identity conversion and migrant workers medical care for the elderly, and its urban workers basic medical insurance transfer and convergence issues to be solved. A few cities have explored the three transfer and convergence modes have their own characteristics, can complement each other, flexible solution to migrant workers in the transfer of medical insurance and convergence problems. Calculations based on the conversion and repayment is essential, simply calculated in accordance with the unit rate paid to migrant workers is extremely unreasonable, the unit paid fees should be deducted from the part of personal accounts, but also should take into account most of the young migrant workers , The incidence is low, a great contribution to the overall fund and co-ordinate funds should be paid by employers rather than workers and other factors.