I heard that I had financial subsidies to participate in residents' medical insurance. Why did I have never received money?

Wuhan Evening News (Reporter Hu Qiongzhi) "I heard that I have had financial subsidies to participate in residents 'medical insurance. Why have I never received money?" A few days ago, the city announced the official launch of the 2023 urban and rural residents' medical insurance insurance payment work. Among them, the personal payment standard is 350 yuan per person per year, and the financial subsidy will be not less than 610 yuan/person/year as required. After the news was released, the issues of per capita financial subsidies on residents' medical insurance attracted attention. So, what is the per capita fiscal subsidy? Where did these subsidies go? On the 8th, the reporters of the Yangtze River Daily, the relevant issues that the general public cared about.

In order to enable rural residents and urban residents to enjoy the rights and interests of medical security fairly, the state comprehensively integrates the two systems of medical insurance and new rural residents in urban residents, and establishes a unified medical insurance system for urban and rural residents. Unlike the medical insurance system of urban employees, the medical insurance of urban and rural residents does not set up a personal account. The medical insurance overall funds are established through funding, and the expenses incurred by the insured persons in the medical process in accordance with regulations will be reducing the medical burden of the insured.

At present, urban and rural residents' medical insurance implements financial subsidies and personal payment methods. If the fund pool of the medical insurance coordinating fund assumes that it is assumed to be a huge "deposit tank", the personal payment of the residents' medical insurance is equivalent to putting money in the "savings can", and the finance will be given in accordance with the corresponding standards. "inside. Therefore, "the financial subsidy of urban and rural residents' medical insurance is not directly issued to individuals, but the medical insurance premiums paid with residents are remitted into the medical insurance overall fund." The larger the medical insurance coordinated fund pool, the stronger the ability to help and resist risks.

In recent years, in the context of the rapid progress of pharmaceutical technology, the continuous growth of medical expenses, the gradual release of residents 'medical needs, and the steady improvement of treatment levels, urban and rural residents' medical insurance fundraising standards have increased year by year. However, from the perspective of amount, fiscal subsidies are still the main source of fundraising for medical insurance in urban and rural residents, accounting for about 2/3, and personal payment accounts for only 1/3. Residents' medical insurance needs to be paid annually, but the finance will also provide subsidies every year, and it takes advantage of the big head. Urban and rural residents' medical insurance paid once in that year, and provided guarantees for all residents who paid for the next year and used them together. Because everyone will face various uncertain disease risks, the general public also needs to pay medical insurance costs on time every year to prevent and resolve the risk of medical expenses.

[Edit: Yu Lina]

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