On August 26th, the National Medical Insurance Bureau issued "Guiding Opinions on Establishing and Improving the Economic Security Mechanism for Employees' Basic Medical Insurance Outpatients (Draft for Comment)", in which the most interesting content is the reform of employees' personal medical insurance accounts. The key points are: first, the way of calculating and distributing personal accounts has changed, and second, the scope of use of personal accounts has changed.
For retail pharmacies, the biggest impact of this reform is that the fund pool of employee medical insurance accounts has shrunk, and the annual income of accounts has been directly reduced by about half. The decrease of employees' medical insurance accounts, in this regard alone, has a certain negative effect on the income of designated pharmacies with medical insurance, and will also have an impact on the passenger flow of pharmacies, and pharmacies need to respond as soon as possible.
However, for pharmacies, it is not all bad. Although there is less money in this account, the scope of use of this account has been relaxed. After the reform, personal accounts can be used not only by oneself, but also by spouses, parents and children, and medicines and medical consumables can be purchased in pharmacies.
Extended data
The reform of the overall planning fund can increase by about 300 billion yuan per year:
According to the data of the National Medical Insurance Bureau, in 20 19, the income of employees' medical insurance personal accounts was 584 billion yuan, an increase of10.3% over the previous year; Personal account expenditure was 472.4 billion yuan, an increase of12.2% over the previous year; The current balance of personal account is111.60 billion yuan, and the accumulated balance is 842.6 billion yuan.
Take the personal income of employees' medical insurance in 20 19 as an example. After the reform, if the personal income is halved, the annual medical insurance income of employees will be reduced by about 292 billion yuan.
However, although the money in each account is less, the money paid by the enterprise is not less, but the money is allocated to the overall fund. In other words, the overall foundation will be expanded, and through this reform, an increase of about 300 billion yuan can be obtained every year.