The Impact of Differences in Medical Insurance Financing Policies on Balanced Economic and Social Development:Taking Employees Basic Medical Insurance as the Case
Xue Qingyuan
Zhang Liqiang
Abstract：Objective:It aimed to explore the impact of differences in employee medical insurance financing policies across various regions in China on balanced regional economic and social development,with the goal of enhancing equity in health insurance financing and promoting balanced socio-economic development.Methods:It selected representative provinces and cities in China's southeast coastal and northeastern regions.According to the DWGM(1,N)model and Gini coefficient,MATLAB software was used to simulate and analyze health insurance financing rates in different regions,predicting the effects of rate changes on population mobility and income distribution.Results:It was found that as contribution rates increase,labor flows mainly into more economically developed areas,gradually narrowing the Gini coefficient gap between cities.Additionally,differences in financing policies exacerbate regional imbalances in health insurance fund distribution.Conclusion:It is recommended to implement a benchmark rate system,raise financing levels,establish provincial and central adjustment fund policies,and explore a health insurance provident fund scheme.These measures would alleviate regional disparities in financing burdens and imbalances in health insurance fund pressure,enhance financing fairness,and support the high-quality development of the health insurance system.
Keywords：Basic Medical Insurance for Employeefinancing mechanismeconomic society balanced development
Publication Date：2025-08-05
Online Publishing Date：2025-08-27(First online date of this platform, not the publication date of the document)
Pages：6( 27-32 )