There are two fundamental reasons why the money for medical insurance/social security is insufficient:
First, the change in population structure: there are more and more elderly people using medical insurance, and fewer and fewer young people paying medical insurance, which is bound to be unsustainable; second, the gap in the population structure: some groups with high medical insurance reimbursement ratios pay less, while the wage-earning class with low medical insurance reimbursement ratios pay more, so everyone is bound to be unwilling to pay, and they all strive to pay at the lowest standard.
As for the expenditure on the epidemic, it has only exposed the contradiction a little earlier, and has not affected the fundamental trend. The big black pot of medical insurance, the new crown epidemic cannot carry it.
Thinking deeply about the problem of insufficient medical insurance/social security is completely making yourself uncomfortable.
Population aging and low birth rates are the common predicament of developed countries around the world, which cannot be quickly reversed no matter how you encourage childbirth. The solution to this problem can only rely on scientific and technological progress and economic development, and it must be continuous, rapid, and even leapfrog development to have the hope of filling the deficit. Judging from the current level of basic scientific development and the state of peace of mankind, it is basically not expected.
The problem of structural gap is a characteristic of China, and it is an important part of maintaining the current social governance mechanism of the country. Under pressure, the state may also make some efforts in this regard, allowing those who cut the cake to take less, but it is basically impossible to evenly distribute the cake. If people’s hearts are scattered, the team will not be easy to lead.
What do you rely on to unite the team? It still depends on real interests. Then who said at the press conference that touching interests is more difficult than touching the soul.
So, the rest are all options that make the wage-earning class, which accounts for the vast majority, suffer.
First, delay retirement, pay a few more years, and receive a few less years. This is already a predetermined plan, and the so-called phased extension is to burn warm water.
Second, reduce and covertly reduce the reimbursement standards, make the reimbursement threshold higher, make the items that can be actually reimbursed less, and lower the reimbursement ratio. These are actions that all regions must take.
Third, increase the overall planning ratio and improve the efficiency of fund use. What is happening in some cities recently, the original intention of the policy design is this, and theoretically it is helpful to alleviate the predicament a little. However, this truth is more tortuous and not easy for the public to understand, and everyone’s intuitive feeling is also very bad when the money in their personal accounts is reduced.
Fourth, let the money of the social security fund and the medical insurance fund generate money by themselves, and use it for financial investment. But… the market investment return rate and risk of certain countries… the widespread and serious corruption in certain fields… the temptation is too great, the human nature cannot be tested, and it will definitely lose very badly.
In all likelihood, these painful options will be promoted to varying degrees, and finally form a painful package.
Speaking of this, I know that someone will say again that if some groups who pay less or do not pay are treated the same, and the treatment of some special groups that consume a large amount of funds is reduced, it can achieve open source and reduce expenditure, and solve the problem. I can only say, you think too beautifully and too naively…
I will tell you clearly, it is impossible, absolutely impossible.
A very simple truth: the more difficult the situation, the more you have to rely on those who can be relied upon, and the less you will cut their flesh.
What can I do? What can you do?
First, work hard, take care of yourself and your family, and don’t rely too much on external support.
Second, respect science, take care of your health, and add a star to a public account like basic common sense.
Bless everyone, bless our country.
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