Research on the Structural Imbalance of Employee Medical Insurance Fund—Actuarial Analysis Based on A City Data

DOI

10.2991/978-94-6463-016-9_60How to use a DOI?

Keywords

employee health insurance fund; structural imbalances; actuarial model; sensitivity analysis; welfare rigidity

Abstract

This paper mainly studies the structural imbalance of the employee medical insurance fund, finds out the possible causes of the imbalance and explores the feasible path to alleviate the structural imbalance of the fund. In order to delay the possibility of surplus deficit and time inflection point of employee medical insurance fund, reduce the payment pressure of employee medical insurance fund, promote the structure optimization and rational allocation of employee medical insurance fund to provide reference. Based on the principles of actuarial science, demography and statistics, this paper builds an actuarial model based on the income and expenditure policies of employee medical insurance fund in A City and historical data, and puts forward constructive suggestions through the sensitivity analysis of the model. The research finds that the income and expenditure scale of the pooling fund for employees’ medical insurance in A City have an obvious growth trend in the future, and there will be a structural imbalance problem that the gap between the income and expenditure of the pooling fund for employees’ medical insurance is increasing but the personal account is accumulating. The paper argues that reasonable adjustment of wage growth rate and control of per capita fund expenditure growth rate are feasible ways to optimize the allocation structure of employee medical insurance fund, but because of the rigidity of welfare, it is suggested to adopt asymptotic promotion strategy in the reform process.

Copyright

© 2023 The Author(s)

Open Access

Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

Download article (PDF)

TY  - CONF
AU  - Shujun Chen
AU  - Tianyun Hu
PY  - 2022
DA  - 2022/12/07
TI  - Research on the Structural Imbalance of Employee Medical Insurance Fund—Actuarial Analysis Based on A City Data
BT  - Proceedings of the 2022 2nd International Conference on Public Management and Intelligent Society (PMIS 2022)
PB  - Atlantis Press
SP  - 577
EP  - 588
SN  - 2589-4900
UR  - https://doi.org/10.2991/978-94-6463-016-9_60
DO  - 10.2991/978-94-6463-016-9_60
ID  - Chen2022
ER  -