@资阳人需关注！职工医保个人账户可以用于本人近亲属、连续参保有奖励…
<!----><style type="text/css">html{font-size:375%}</style><link href="https://pic.app.jiuquhe.com/static/publish/css/style.css?v=20240712" rel="stylesheet" position="1" data-qf-origin="/static/publish/css/style.css?v=20240712"><!-- 付费贴--> <div class="preview_article "> <!----> <section style="outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; white-space: normal; background-color: #ffffff; letter-spacing: 0.578px; visibility: visible; margin-bottom: 0px;"><section style="outline: 0px; visibility: visible;"><section style="outline: 0px; visibility: visible;"><section style="outline: 0px; visibility: visible;"><section style="outline: 0px; visibility: visible;"></section></section></section></section></section><p style="outline: 0px; letter-spacing: 0.544px; text-indent: 0em; white-space: normal; background-color: #ffffff; font-size: 18px; font-family: Microsoft Yahei; line-height: 1.5em; writing-mode: horizontal-tb; text-orientation: mixed; text-align: center; margin-bottom: 0px; border: medium none initial;"> </p><p style="margin-bottom: 0px; outline: 0px; color: #222222; letter-spacing: 0.544px; white-space: normal; background-color: #ffffff; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; text-align: center; visibility: visible;"><img class="rich_pages wxw-img" style="outline: 0px; visibility: visible !important; width: 677px !important;" src="https://pic.app.jiuquhe.com/FkL-yj8SQiVuNSl3yTsb76lqF07T" /></p><section style="margin-bottom: 0px; outline: 0px; color: #222222; letter-spacing: 0.544px; white-space: normal; background-color: #ffffff; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; visibility: visible;"><section style="outline: 0px; will-change: transform; visibility: visible;"><section style="margin-top: 12px; margin-bottom: 10px; outline: 0px; display: flex; flex-flow: row; text-align: center; justify-content: center; visibility: visible;"><section style="margin-left: -6px; outline: 0px; display: inline-block; vertical-align: top; width: 14px; flex: 0 0 auto; align-self: flex-start; height: auto; line-height: 0; overflow: hidden; visibility: visible; border: 0px none #3e3e3e;"><section style="outline: 0px; transform: rotateZ(20deg); visibility: visible;"><section style="margin-top: -2px; margin-bottom: -2px; outline: 0px; visibility: visible;"><section style="outline: 0px; display: inline-block; width: 4px; height: 22px; vertical-align: top; overflow: hidden; background-color: #57b7f8; visibility: visible; border: 0px none #3e3e3e;"></section></section></section></section><section style="margin-top: 3px; margin-left: -20px; padding: 16px; outline: 0px; display: inline-block; vertical-align: top; width: auto; flex: 100 100 0%; height: auto; align-self: flex-start; background-color: rgba(132, 130, 130, 0.19); visibility: visible;"><section style="margin-top: 14px; margin-bottom: 10px; outline: 0px; visibility: visible;"><section style="padding-right: 14px; padding-left: 14px; outline: 0px; text-align: justify; color: #343434; visibility: visible;"><p style="outline: 0px; visibility: visible;">党的二十届三中全会通过的《中共中央关于进一步全面深化改革 推进中国式现代化的决定》提出，健全灵活就业人员、农民工、新就业形态人员社保制度，要求全面取消在就业地参保户籍限制。</p><p style="outline: 0px; visibility: visible;"> </p><p style="outline: 0px; visibility: visible;">国务院办公厅日前印发<a style="outline: 0px; color: var(--weui-link); cursor: default; visibility: visible;" href="http://mp.weixin.qq.com/s?__biz=MzA4MDA0MzcwMA==&mid=2652685722&idx=1&sn=783896a06e75ce06e8938915c8694fd5&chksm=84422e41b335a75733cf98189cc43ffe4af40315c54401ce1277f9291b3af9b840bca7586eb8&scene=21#wechat_redirect" target="_blank" rel="noopener">《关于健全基本医疗保险参保长效机制的指导意见》</a>，<span style="outline: 0px; letter-spacing: 0.544px; font-size: var(--articleFontsize); visibility: visible;">国务院新闻办公室8月1日下午举行国务院政策例行吹风会，介绍有关情况并答记者问。</span><span style="outline: 0px; letter-spacing: 0.544px; font-size: var(--articleFontsize); visibility: visible;">一起来看——</span></p></section></section></section></section></section></section><section style="margin-top: 10px; margin-bottom: 10px; outline: 0px; color: #222222; letter-spacing: 0.544px; white-space: normal; background-color: #ffffff; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; font-size: 16px; text-align: left; justify-content: flex-start; display: flex; flex-flow: row; visibility: visible;"><section style="padding-left: 5px; outline: 0px; display: inline-block; width: auto; vertical-align: top; align-self: flex-start; flex: 0 0 auto; border-style: solid; border-width: 0px 0px 0px 5px; border-left-color: #6d68f7; min-width: 5%; height: auto; visibility: visible;"><section style="outline: 0px; justify-content: flex-start; display: flex; flex-flow: row; visibility: visible;"><section style="padding-left: 8px; outline: 0px; display: inline-block; vertical-align: top; width: auto; align-self: stretch; flex: 0 0 auto; background-image: linear-gradient(45deg, #48d5f4 0%, #6e5ef7 100%); min-width: 5%; height: auto; visibility: visible;"><section style="margin-top: 4px; outline: 0px; visibility: visible;"><section style="outline: 0px; text-align: justify; visibility: visible;"><p style="outline: 0px; visibility: visible;"><span style="outline: 0px; color: #ffffff; font-size: 18px; visibility: visible;"><strong style="outline: 0px; visibility: visible;">发布会速览</strong></span></p></section></section></section><section style="outline: 0px; display: inline-block; vertical-align: top; width: auto; min-width: 5%; flex: 0 0 auto; height: auto; align-self: stretch; visibility: visible;"><section style="outline: 0px; text-align: center; visibility: visible;"><section style="outline: 0px; display: inline-block; width: 0px; height: 0px; vertical-align: top; overflow: hidden; border-style: solid; border-width: 0px 0px 34px 19px; border-color: rgba(255, 255, 255, 0) rgba(255, 255, 255, 0) rgba(255, 255, 255, 0) #6d68f7; visibility: visible;"><section style="outline: 0px; text-align: justify; visibility: visible;"><p style="outline: 0px; visibility: visible;"> </p></section></section></section></section><section style="outline: 0px; display: inline-block; vertical-align: bottom; width: auto; min-width: 5%; flex: 0 0 auto; height: auto; align-self: flex-end; visibility: visible;"><section style="outline: 0px; transform: perspective(0px); transform-style: flat; visibility: visible;"><section style="outline: 0px; transform: translate3d(-8px, 0px, 0px) rotateX(180deg); visibility: visible;"><section style="outline: 0px; display: inline-block; width: 11px; height: 11px; vertical-align: top; overflow: hidden; border-radius: 182px; background-image: linear-gradient(45deg, #48d5f4 0%, #6e5ef7 100%); visibility: visible;"><section style="outline: 0px; text-align: justify; visibility: visible;"><p style="outline: 0px; visibility: visible;"> </p></section></section></section></section></section></section></section></section><section style="margin-top: 10px; margin-bottom: 10px; outline: 0px; color: #222222; letter-spacing: 0.544px; white-space: normal; background-color: #ffffff; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; font-size: 16px; text-align: left; justify-content: flex-start; display: flex; flex-flow: row; visibility: visible;"><section style="padding: 22px; outline: 0px; display: inline-block; width: 677px; vertical-align: top; align-self: flex-start; flex: 0 0 auto; background-color: rgba(209, 242, 255, 0.3); visibility: visible;"><section style="outline: 0px; text-align: justify; font-size: 17px; visibility: visible;"><p style="outline: 0px; visibility: visible;">●聚焦中小学生儿童和灵活就业人员，提出取消参保户籍限制。</p><p style="outline: 0px; visibility: visible;"> </p><p style="outline: 0px; visibility: visible;">●职工医保个人账户可以用于本人近亲属缴纳居民医保参保费用。</p><p style="outline: 0px; visibility: visible;"> </p><p style="outline: 0px; visibility: visible;">●今年年底之前力争职工医保个人账户共济范围扩大到省内的跨统筹地区使用。</p><p style="outline: 0px; visibility: visible;"> </p><p style="outline: 0px; visibility: visible;">●提高大病保险最高支付限额作为连续参保激励和基金零报销激励。</p><p style="outline: 0px; visibility: visible;"> </p><p style="outline: 0px; visibility: visible;">●2024年，城乡居民医保财政补助标准再增加30元，达到每人每年670元。</p></section></section></section><p style="margin-bottom: 0px; outline: 0px; color: #222222; letter-spacing: 0.544px; white-space: normal; background-color: #ffffff; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; visibility: visible;"> </p><section style="margin-bottom: 0px; outline: 0px; color: #222222; letter-spacing: 0.544px; white-space: normal; background-color: #ffffff; font-family: PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; visibility: visible;"><section style="margin-bottom: 10px; outline: 0px; text-align: left; justify-content: flex-start; display: flex; flex-flow: row; visibility: visible;"><section style="padding: 15px; outline: 0px; display: inline-block; width: 677px; vertical-align: top; align-self: flex-start; flex: 0 0 auto; visibility: visible; border: 1px solid #3e3e3e;"><section style="outline: 0px; display: flex; width: 645px; flex-flow: column; visibility: visible;"><section style="outline: 0px; z-index: 2; transform: perspective(0px); transform-style: flat; visibility: visible;"><section style="margin-bottom: -10px; outline: 0px; text-align: right; line-height: 0; transform: translate3d(12px, 0px, 0px) rotateX(180deg) rotateY(180deg); visibility: visible;"><section style="outline: 0px; vertical-align: middle; display: inline-block; line-height: 0; width: 50px; height: auto; visibility: visible;"><img class="rich_pages wxw-img" style="outline: 0px; vertical-align: middle; width: 50px !important; visibility: visible !important;" src="https://pic.app.jiuquhe.com/Fmwcv_oCIgtd7hE43WtICZFyiXU1" /></section></section></section></section><section style="outline: 0px; text-align: justify; visibility: visible;"><p style="outline: 0px; visibility: visible;"> </p></section><section style="outline: 0px; text-align: justify; font-size: 18px; visibility: visible;"><p style="outline: 0px; visibility: visible;"><strong style="outline: 0px; visibility: visible;">全面取消在就业地参保的户籍限制</strong></p></section><section style="outline: 0px; text-align: justify;"><p style="outline: 0px;"> </p></section><section style="outline: 0px; justify-content: flex-start; display: flex; flex-flow: row;"><section style="padding: 20px; outline: 0px; display: inline-block; width: auto; vertical-align: top; align-self: flex-start; flex: 100 100 0%; height: auto; background-color: #eaf1ff;"><section style="outline: 0px; text-align: justify; font-size: 18px; color: #57b7f8;"><p style="outline: 0px;"><strong style="outline: 0px;">国家医疗保障局：</strong></p></section><section style="margin-top: 8px; outline: 0px;"><section style="outline: 0px; background-color: #cb915e; height: 1px;"></section></section><section style="outline: 0px; text-align: justify;"><p style="outline: 0px;"> </p></section><section style="outline: 0px; text-align: justify;"><p style="outline: 0px;">放宽户籍的限制可以让异地就业、异地务工、异地居住和上学的群众和孩子们更好就地参保，从而更好就地就近就医购药时方便医保报销。</p><p style="outline: 0px;"> </p><p style="outline: 0px;">这次《指导意见》全面落实党的二十届三中全会提出的<strong style="outline: 0px;">健全灵活就业人员、农民工、新就业形态人员的社保制度，全面取消在就业地参保的户籍限制</strong>这一要求，针对户籍地限制参保问题专门作出安排，也是积极回应群众关切，尤其是<strong style="outline: 0px;">聚焦中小学生儿童和灵活就业人员，提出取消户籍限制</strong>，进一步助力新型城镇化取得新的成效。</p><p style="outline: 0px;"> </p><section class="channels_iframe_wrp wxw_wechannel_card_not_horizontal"></section><p style="outline: 0px;"> </p></section></section></section></section></section><section style="margin-bottom: 10px; outline: 0px; text-align: left; justify-content: flex-start; display: flex; flex-flow: row;"><section style="padding: 15px; outline: 0px; display: inline-block; width: 677px; vertical-align: top; align-self: flex-start; flex: 0 0 auto; border: 1px solid #3e3e3e;"><section style="outline: 0px; display: flex; width: 645px; flex-flow: column;"><section style="outline: 0px; z-index: 2; transform: perspective(0px); transform-style: flat;"><section style="margin-bottom: -10px; outline: 0px; text-align: right; line-height: 0; transform: translate3d(12px, 0px, 0px) rotateX(180deg) rotateY(180deg);"><section style="outline: 0px; vertical-align: middle; display: inline-block; line-height: 0; width: 50px; height: auto;"><img class="rich_pages wxw-img" style="outline: 0px; vertical-align: middle; width: 50px !important; visibility: visible !important;" src="https://pic.app.jiuquhe.com/Fmwcv_oCIgtd7hE43WtICZFyiXU1" /></section></section></section></section><section style="outline: 0px; text-align: justify;"><p style="outline: 0px;"> </p></section><section style="outline: 0px; text-align: justify; font-size: 18px;"><p style="outline: 0px;"><strong style="outline: 0px;">职工医保个人账户可与近亲属共济</strong></p></section><section style="outline: 0px; text-align: justify;"><p style="outline: 0px;"> </p></section><section style="outline: 0px; justify-content: flex-start; display: flex; flex-flow: row;"><section style="padding: 20px; outline: 0px; display: inline-block; width: auto; vertical-align: top; align-self: flex-start; flex: 100 100 0%; height: auto; background-color: #eaf1ff;"><section style="outline: 0px; text-align: justify; font-size: 18px; color: #57b7f8;"><p style="outline: 0px;"><strong style="outline: 0px;">国家医疗保障局：</strong></p></section><section style="margin-top: 8px; outline: 0px;"><section style="outline: 0px; background-color: #cb915e; height: 1px;"></section></section><section style="outline: 0px; text-align: justify;"><p style="outline: 0px;"> </p></section><section style="outline: 0px; text-align: justify; color: #3e3e3e;"><p style="outline: 0px;"><strong style="outline: 0px;">职工医保个人账户共济</strong>就是指个人账户里的钱可以供家人用，我们把它概括为“家庭共济能参保，帮助老人帮助小”。</p><p style="outline: 0px;"> </p><p style="outline: 0px;"><span style="outline: 0px; color: #ff8124;"><strong style="outline: 0px;">一方面共济的范围扩大到了近亲属。</strong></span></p><p style="outline: 0px;"> </p><p style="outline: 0px;">文件规定，<strong style="outline: 0px;">职工医保个人账户可以用于本人近亲属缴纳居民医保参保费用</strong>。其中，近亲属是指《民法典》中规定的配偶、父母、子女、兄弟姐妹、祖父母、外祖父母、孙子女、外孙子女。如果这些近亲属是参保人，在报销医疗费用时，可使用共济人的个人账户进行结算。</p><section class="channels_iframe_wrp wxw_wechannel_card_not_horizontal"></section><p style="outline: 0px;"> </p><p style="outline: 0px;"><span style="outline: 0px; color: #ff8124;"><strong style="outline: 0px;">另一方</strong><strong style="outline: 0px;">面，共济地域进一步扩大。</strong></span></p><p style="outline: 0px;"> </p><p style="outline: 0px;">计划两步走，<strong style="outline: 0px;">第一步是今年年底之前力争共济范围扩大到省内的跨统筹地区使用，第二步就是明年加快推进跨省共济</strong>。当然，要强调的是，家庭共济主要是共济职工个人账户里的钱，不包括统筹基金部分。</p></section></section></section></section></section><section style="margin-bottom: 10px; outline: 0px; text-align: left; justify-content: flex-start; display: flex; flex-flow: row;"><section style="padding: 15px; outline: 0px; display: inline-block; width: 677px; vertical-align: top; align-self: flex-start; flex: 0 0 auto; border: 1px solid #3e3e3e;"><section style="outline: 0px; display: flex; width: 645px; flex-flow: column;"><section style="outline: 0px; z-index: 2; transform: perspective(0px); transform-style: flat;"><section style="margin-bottom: -10px; outline: 0px; text-align: right; line-height: 0; transform: translate3d(12px, 0px, 0px) rotateX(180deg) rotateY(180deg);"><section style="outline: 0px; vertical-align: middle; display: inline-block; line-height: 0; width: 50px; height: auto;"><img class="rich_pages wxw-img" style="outline: 0px; vertical-align: middle; width: 50px !important; visibility: visible !important;" src="https://pic.app.jiuquhe.com/Fmwcv_oCIgtd7hE43WtICZFyiXU1" /></section></section></section></section><section style="outline: 0px; text-align: justify;"><p style="outline: 0px;"> </p></section><section style="outline: 0px; text-align: justify; font-size: 18px;"><p style="outline: 0px;"><strong style="outline: 0px;">提高大病保险最高支付限额作为连续参保激励和基金零报销激励</strong></p></section><section style="outline: 0px; text-align: justify;"><p style="outline: 0px;"> </p></section><section style="outline: 0px; justify-content: flex-start; display: flex; flex-flow: row;"><section style="padding: 20px; outline: 0px; display: inline-block; width: auto; vertical-align: top; align-self: flex-start; flex: 100 100 0%; height: auto; background-color: #eaf1ff;"><section style="outline: 0px; text-align: justify; font-size: 18px; color: #57b7f8;"><p style="outline: 0px;"><strong style="outline: 0px;">国家医疗保障局：</strong></p></section><section style="margin-top: 8px; outline: 0px;"><section style="outline: 0px; background-color: #cb915e; height: 1px;"></section></section><section style="outline: 0px; text-align: justify;"><p style="outline: 0px;"> </p></section><section style="outline: 0px; text-align: justify; color: #3e3e3e; font-family: FZKai;"><p style="outline: 0px;"><span style="outline: 0px; font-family: Noto Sans CJK SC, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; color: #ff8124;"><strong style="outline: 0px;">连续参保激励</strong></span></p><p style="outline: 0px;"> </p><p style="outline: 0px;"><span style="outline: 0px; font-family: Noto Sans CJK SC, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;">连续参保激励，<strong style="outline: 0px;">是</strong><strong style="outline: 0px;">指自2025年起，连续参加居民医保满4年，之后每连续参保1年，可享受连续参保激励，每年可提高大病保险最高支付限额不低于1000元</strong>，具体标准由各省制定。</span></p><p style="outline: 0px;"> </p><p style="outline: 0px;"><span style="outline: 0px; font-family: Noto Sans CJK SC, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;"><strong style="outline: 0px;">如果中断参保，前期连续参保积累的年限自动清零</strong>，再参加居民医保时，年限需要重新计算。前期积累的奖励额度继续保留。</span></p><p style="outline: 0px;"> </p><p style="outline: 0px;"><span style="outline: 0px; font-family: Noto Sans CJK SC, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; color: #ff8124;"><strong style="outline: 0px;">基金零报销激励</strong></span></p><p style="outline: 0px;"> </p><p style="outline: 0px;"><span style="outline: 0px; font-family: Noto Sans CJK SC, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;">基金零报销激励，<strong style="outline: 0px;">是</strong><strong style="outline: 0px;">指自2025年起，参加居民医保的群众，如果当年没有使用过包括门诊、住院在内的所有医疗费用的医保基金报销</strong>，那么可以在下一年度适当提高城乡居民大病保险的最高支付限额，同样也是<strong style="outline: 0px;">每年提高不低于1000元</strong>，具体标准由各省制定。</span></p><p style="outline: 0px;"> </p><p style="outline: 0px;"><span style="outline: 0px; font-family: Noto Sans CJK SC, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;">如果当年发生了大病保险报销并使用了奖励额度，那么前期积累的奖励额度就会被清零，下一年度重新开始计算零报销奖励额度。</span></p><p style="outline: 0px;"> </p><p style="outline: 0px;"><span style="outline: 0px; font-family: Noto Sans CJK SC, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;">连续参保激励和基金零报销激励累计提高额度<strong style="outline: 0px;">最高可以达到所在统筹地区大病保险最高支付限额的20%</strong>。</span></p><section class="channels_iframe_wrp wxw_wechannel_card_not_horizontal"></section><p style="outline: 0px;"><span style="outline: 0px; color: #888888;">举个例子：</span></p><p style="outline: 0px;"> </p><p style="outline: 0px;"><span style="outline: 0px; color: #888888;">如果一个地区的城乡居民大病保险最高支付限额是40万元，那么激励机制“奖励”后可以提高8万元，即大病保险最高支付限额累计是48万元。</span></p><p style="outline: 0px;"> </p><p style="outline: 0px;"><span style="outline: 0px; color: #888888;">按照激励措施，只要连续参保、基金零报销，这个额度会一直增加下去，每年都可以享受增加后大病保险额度，直到增加至大病保险最高支付限额的20%为止，等于每年多了一份额外的保障额度。</span></p></section></section></section></section></section><section style="margin-bottom: 10px; outline: 0px; text-align: left; justify-content: flex-start; display: flex; flex-flow: row;"><section style="padding: 15px; outline: 0px; display: inline-block; width: 677px; vertical-align: top; align-self: flex-start; flex: 0 0 auto; border: 1px solid #3e3e3e;"><section style="outline: 0px; display: flex; width: 645px; flex-flow: column;"><section style="outline: 0px; z-index: 2; transform: perspective(0px); transform-style: flat;"><section style="margin-bottom: -10px; outline: 0px; text-align: right; line-height: 0; transform: translate3d(12px, 0px, 0px) rotateX(180deg) rotateY(180deg);"><section style="outline: 0px; vertical-align: middle; display: inline-block; line-height: 0; width: 50px; height: auto;"><img style="outline: 0px; vertical-align: middle; width: 50px !important; visibility: visible !important;" src="https://pic.app.jiuquhe.com/Fmwcv_oCIgtd7hE43WtICZFyiXU1" /></section></section></section></section><section style="outline: 0px; text-align: justify;"><p style="outline: 0px;"> </p></section><section style="outline: 0px; text-align: justify; font-size: 18px;"><p style="outline: 0px;"><strong style="outline: 0px;">设置等待期是对所有参保人员的保护</strong></p></section><section style="outline: 0px; text-align: justify;"><p style="outline: 0px;"> </p></section><section style="outline: 0px; justify-content: flex-start; display: flex; flex-flow: row;"><section style="padding: 20px; outline: 0px; display: inline-block; width: auto; vertical-align: top; align-self: flex-start; flex: 100 100 0%; height: auto; background-color: #eaf1ff;"><section style="outline: 0px; text-align: justify; font-size: 18px; color: #57b7f8;"><p style="outline: 0px;"><strong style="outline: 0px;">国家医疗保障局：</strong></p></section><section style="margin-top: 8px; outline: 0px;"><section style="outline: 0px; background-color: #cb915e; height: 1px;"></section></section><section style="outline: 0px; text-align: justify;"><p style="outline: 0px;"> </p></section><section style="outline: 0px; text-align: justify; color: #3e3e3e;"><p style="outline: 0px;">一些人平时不生病，不想缴医保，但是一旦生病又想参加医保，希望得到保障，从另一个角度上来说，也是对医保减轻费用负担这项制度功能的认可，但是不鼓励选择性参保，因为这样的操作对那些连续参保缴费的人群来说是不公平的，不能很好地保障这部分人群的权益。</p><section class="channels_iframe_wrp wxw_wechannel_card_not_horizontal"></section><p style="outline: 0px;"><strong style="outline: 0px;">在约束措施方面，《指导意见》设置了“两个等待期”，即固定等待期和变动等待期。</strong></p><p style="outline: 0px;"> </p><p style="outline: 0px;">《指导意见》明确，自2025年起，除新生儿等特殊群体外，<strong style="outline: 0px;">对未在居民医保集中参保期参保或未连续参保的人员，设置参保后固定等待期3个月</strong>，其中未连续参保的，每多断保1年，在3个月的固定等待期基础上再增加1个月的变动等待期。</p><p style="outline: 0px;"> </p><p style="outline: 0px;">同时，考虑到参保人的实际情况，<strong style="outline: 0px;">允许参保人通过缴费修复变动等待期</strong>，缴费参照当年参保地的个人缴费标准，<strong style="outline: 0px;">每多缴纳1年的费用可以减少1个月的变动等待期</strong>。</p><p style="outline: 0px;"> </p><p style="outline: 0px;">需要注意的是，连续断缴4年及以上的，修复以后的变动等待期不少于3个月，加上原有3个月的固定等待期，则仍需至少等待6个月。<strong style="outline: 0px;">待遇等待期间不能享受医保报销</strong>。</p><p style="outline: 0px;"> </p><p style="outline: 0px;"><strong style="outline: 0px;">这项举措也是维护全体参保人的权益，如果都是生病之后再来缴费参保，那医保制度也将无法持续运行。</strong></p></section></section></section></section></section><section style="margin-bottom: 10px; outline: 0px; text-align: left; justify-content: flex-start; display: flex; flex-flow: row;"><section style="padding: 15px; outline: 0px; display: inline-block; width: 677px; vertical-align: top; align-self: flex-start; flex: 0 0 auto; border: 1px solid #3e3e3e;"><section style="outline: 0px; display: flex; width: 645px; flex-flow: column;"><section style="outline: 0px; z-index: 2; transform: perspective(0px); transform-style: flat;"><section style="margin-bottom: -10px; outline: 0px; text-align: right; line-height: 0; transform: translate3d(12px, 0px, 0px) rotateX(180deg) rotateY(180deg);"><section style="outline: 0px; vertical-align: middle; display: inline-block; line-height: 0; width: 50px; height: auto;"><img style="outline: 0px; vertical-align: middle; width: 50px !important; visibility: visible !important;" src="https://pic.app.jiuquhe.com/Fmwcv_oCIgtd7hE43WtICZFyiXU1" /></section></section></section></section><section style="outline: 0px; text-align: justify;"><p style="outline: 0px;"> </p></section><section style="outline: 0px; text-align: justify; font-size: 18px;"><p style="outline: 0px;"><strong style="outline: 0px;">持续推进新生儿“出生一件事”联办</strong></p></section><section style="outline: 0px; text-align: justify;"><p style="outline: 0px;"> </p></section><section style="outline: 0px; justify-content: flex-start; display: flex; flex-flow: row;"><section style="padding: 20px; outline: 0px; display: inline-block; width: auto; vertical-align: top; align-self: flex-start; flex: 100 100 0%; height: auto; background-color: #eaf1ff;"><section style="outline: 0px; text-align: justify; font-size: 18px; color: #57b7f8;"><p style="outline: 0px;"><strong style="outline: 0px;">国家医疗保障局：</strong></p></section><section style="margin-top: 8px; outline: 0px;"><section style="outline: 0px; background-color: #cb915e; height: 1px;"></section></section><section style="outline: 0px; text-align: justify;"><p style="outline: 0px;"> </p></section><section style="outline: 0px; text-align: justify; color: #3e3e3e;"><p style="outline: 0px;">新生儿等重点人群一直是社会关注的对象，按照常规，医保的参保需要核对参保人的姓名、身份证号、户籍地、常住地等基本信息，但是新生儿往往取名字、获取身份证号码、办户口等需要时间，有的地方对孩子的名字特别重视，半年都取不出来，在原来的制度下参保就特别困难。近年来，国家医保局持续推进新生儿“出生一件事”的联办，不断优化新生儿参保流程，指导各地落实出生医学证明、户籍办理、医保参保等“出生一件事”的集成化办理，<strong style="outline: 0px;">通过线下的“一厅联办”、线上的“一网通办”，最大限度减少新生儿父母的办事时间和办事成本</strong>。</p></section></section></section></section></section><section style="margin-bottom: 10px; outline: 0px; text-align: left; justify-content: flex-start; display: flex; flex-flow: row;"><section style="padding: 15px; outline: 0px; display: inline-block; width: 677px; vertical-align: top; align-self: flex-start; flex: 0 0 auto; border: 1px solid #3e3e3e;"><section style="outline: 0px; display: flex; width: 645px; flex-flow: column;"><section style="outline: 0px; z-index: 2; transform: perspective(0px); transform-style: flat;"><section style="margin-bottom: -10px; outline: 0px; text-align: right; line-height: 0; transform: translate3d(12px, 0px, 0px) rotateX(180deg) rotateY(180deg);"><section style="outline: 0px; vertical-align: middle; display: inline-block; line-height: 0; width: 50px; height: auto;"><img style="outline: 0px; vertical-align: middle; width: 50px !important; visibility: visible !important;" src="https://pic.app.jiuquhe.com/Fmwcv_oCIgtd7hE43WtICZFyiXU1" /></section></section></section></section><section style="outline: 0px; text-align: justify;"><p style="outline: 0px;"> </p></section><section style="outline: 0px; text-align: justify; font-size: 18px;"><p style="outline: 0px;"><strong style="outline: 0px;">年轻人有必要参加基本医保吗？</strong></p></section><section style="outline: 0px; text-align: justify;"><p style="outline: 0px;"> </p></section><section style="outline: 0px; justify-content: flex-start; display: flex; flex-flow: row;"><section style="padding: 20px; outline: 0px; display: inline-block; width: auto; vertical-align: top; align-self: flex-start; flex: 100 100 0%; height: auto; background-color: #eaf1ff;"><section style="outline: 0px; text-align: justify; font-size: 18px; color: #57b7f8;"><p style="outline: 0px;"><strong style="outline: 0px;">国家医疗保障局：</strong></p></section><section style="margin-top: 8px; outline: 0px;"><section style="outline: 0px; background-color: #cb915e; height: 1px;"></section></section><section style="outline: 0px; text-align: justify;"><p style="outline: 0px;"> </p></section><section style="outline: 0px; text-align: justify; color: #3e3e3e;"><p style="outline: 0px;"><strong style="outline: 0px;">基本医保是一种社会保险，首先具有保险的性质，是用来防风险的</strong>，疾病的发生往往具有很大的不确定性。“书到用时方恨少，人到病时未参保”每个群体都可能面临疾病的风险，而且这个风险实际上不小。</p><p style="outline: 0px;"> </p><p style="outline: 0px;">根据国家医保平台数据，20-29岁、30-39岁、40-49岁、50-59岁这四个年龄段的住院率，分别是7%、8%、10%、14%。如果加上有的人可能住两次院，以人次来看，这四个年龄段分别是9%、11%、15%和23%，比例还是挺高的。<strong style="outline: 0px;">这四个年龄段住院的次均费用分别是7253元、8195<strong style="outline: 0px; letter-spacing: 0.544px;">元</strong>、9264<strong style="outline: 0px; letter-spacing: 0.544px;">元</strong>、9554<strong style="outline: 0px; letter-spacing: 0.544px;">元</strong>，最少也超过7000块</strong>。这四个年龄段最高的费用分别是205万元、441万<span style="outline: 0px; letter-spacing: 0.544px;">元</span>、380万<span style="outline: 0px; letter-spacing: 0.544px;">元</span>、357万<span style="outline: 0px; letter-spacing: 0.544px;">元</span>，疾病风险是很大的。“宁可保而无用，不可用时没保”。</p></section></section></section></section></section><section style="margin-bottom: 10px; outline: 0px; text-align: left; justify-content: flex-start; display: flex; flex-flow: row;"><section style="padding: 15px; outline: 0px; display: inline-block; width: 677px; vertical-align: top; align-self: flex-start; flex: 0 0 auto; border: 1px solid #3e3e3e;"><section style="outline: 0px; display: flex; width: 645px; flex-flow: column;"><section style="outline: 0px; z-index: 2; transform: perspective(0px); transform-style: flat;"><section style="margin-bottom: -10px; outline: 0px; text-align: right; line-height: 0; transform: translate3d(12px, 0px, 0px) rotateX(180deg) rotateY(180deg);"><section style="outline: 0px; vertical-align: middle; display: inline-block; line-height: 0; width: 50px; height: auto;"><img style="outline: 0px; vertical-align: middle; width: 50px !important; visibility: visible !important;" src="https://pic.app.jiuquhe.com/Fmwcv_oCIgtd7hE43WtICZFyiXU1" /></section></section></section></section><section style="outline: 0px; text-align: justify;"><p style="outline: 0px;"> </p></section><section style="outline: 0px; text-align: justify; font-size: 18px;"><p style="outline: 0px;"><strong style="outline: 0px;">再增加30元，2024年城乡居民医保财政补助标准达到每人每年670元</strong></p></section><section style="outline: 0px; text-align: justify;"><p style="outline: 0px;"> </p></section><section style="outline: 0px; justify-content: flex-start; display: flex; flex-flow: row;"><section style="padding: 20px; outline: 0px; display: inline-block; width: auto; vertical-align: top; align-self: flex-start; flex: 100 100 0%; height: auto; background-color: #eaf1ff;"><section style="outline: 0px; text-align: justify; font-size: 18px; color: #57b7f8;"><p style="outline: 0px;"><strong style="outline: 0px;">财政部：</strong></p></section><section style="margin-top: 8px; outline: 0px;"><section style="outline: 0px; background-color: #cb915e; height: 1px;"></section></section><section style="outline: 0px; text-align: justify;"><p style="outline: 0px;"> </p></section><section style="outline: 0px; text-align: justify; color: #3e3e3e;"><p style="outline: 0px;">自从城乡居民医保制度建立以来，财政补助一直占<strong style="outline: 0px;">城乡居民医保基金收入的60%以上</strong>，是城乡居民医保筹资的主要来源。</p><p style="outline: 0px;"> </p><p style="outline: 0px;">财政补助标准也在持续提高，从2003年制度建立之初的20元，已经提高到2023年的640元，增长了30多倍。我们也统计了一下，2019-2023年，各级财政累计拨付城乡居民医保补助资金约3万亿元，其中中央财政下达了1.8万亿元。<strong style="outline: 0px;">2024年，城乡居民医保财政补助标准再增加30元，达到每人每年670元</strong>，财政投入的总规模也相应增加。</p><p style="outline: 0px;"> </p><p style="outline: 0px;">各级财政每年还安排城乡医疗救助补助资金，<strong style="outline: 0px;">资助困难群众参加城乡居民医保</strong>，并对他们在<strong style="outline: 0px;">经过医保报销之后的个人自付费用给予进一步的救助</strong>。2019-2023年，中央财政一共下达城乡医疗救助补助资金1507亿元。</p></section></section></section></section></section><section style="margin-bottom: 10px; outline: 0px; text-align: left; justify-content: flex-start; display: flex; flex-flow: row;"><section style="padding: 15px; outline: 0px; display: inline-block; width: 677px; vertical-align: top; align-self: flex-start; flex: 0 0 auto; border: 1px solid #3e3e3e;"><section style="outline: 0px; display: flex; width: 645px; flex-flow: column;"><section style="outline: 0px; z-index: 2; transform: perspective(0px); transform-style: flat;"><section style="margin-bottom: -10px; outline: 0px; text-align: right; line-height: 0; transform: translate3d(12px, 0px, 0px) rotateX(180deg) rotateY(180deg);"><section style="outline: 0px; vertical-align: middle; display: inline-block; line-height: 0; width: 50px; height: auto;"><img style="outline: 0px; vertical-align: middle; width: 50px !important; visibility: visible !important;" src="https://pic.app.jiuquhe.com/Fmwcv_oCIgtd7hE43WtICZFyiXU1" /></section></section></section></section><section style="outline: 0px; text-align: justify;"><p style="outline: 0px;"> </p></section><section style="outline: 0px; text-align: justify; font-size: 18px;"><p style="outline: 0px;"><strong style="outline: 0px;">如何确保困难群体“病有所医”？</strong></p></section><section style="outline: 0px; text-align: justify;"><p style="outline: 0px;"> </p></section><section style="outline: 0px; justify-content: flex-start; display: flex; flex-flow: row;"><section style="padding: 20px; outline: 0px; display: inline-block; width: auto; vertical-align: top; align-self: flex-start; flex: 100 100 0%; height: auto; background-color: #eaf1ff;"><section style="outline: 0px; text-align: justify; font-size: 18px; color: #57b7f8;"><p style="outline: 0px;"><strong style="outline: 0px;">国家医疗保障局：</strong></p></section><section style="margin-top: 8px; outline: 0px;"><section style="outline: 0px; background-color: #cb915e; height: 1px;"></section></section><section style="outline: 0px; text-align: justify;"><p style="outline: 0px;"> </p></section><section style="outline: 0px; text-align: justify; color: #3e3e3e;"><p style="outline: 0px;"><span style="outline: 0px; color: #ff8124;"><strong style="outline: 0px;">在强化政策和资金支持方面：</strong></span></p><p style="outline: 0px;"> </p><p style="outline: 0px;">●各级财政持续加大对居民医保参保财政补助力度，<strong style="outline: 0px;">医疗救助根据困难程度对困难群众参保个人缴费部分给予分类资助</strong>，其中全额资助特困人员，定额资助低保对象以及符合条件的防止返贫监测对象。</p><p style="outline: 0px;"> </p><p style="outline: 0px;">●<strong style="outline: 0px;">以低保对象为例</strong>，2023年个人缴费380元，医疗救助平均资助超过200元，个人缴费不到180元。</p><p style="outline: 0px;"> </p><p style="outline: 0px;"><span style="outline: 0px; color: #ff8124;"><strong style="outline: 0px;">在提升管理服务水平方面：</strong></span></p><p style="outline: 0px;"> </p><p style="outline: 0px;">●指导各地以统筹地区为单位，<strong style="outline: 0px;">建立困难群众资助参保台账</strong>，依托部门间信息共享机制，加大参保信息的核查比对，确保应保尽保。</p><p style="outline: 0px;"> </p><p style="outline: 0px;">●改进征缴方式，<strong style="outline: 0px;">对全额资助参保的困难群众免征代缴</strong><strong style="outline: 0px;">，定额资助的实行差额征缴</strong>，减轻群众缴费负担。</p><p style="outline: 0px;"> </p><p style="outline: 0px;"><span style="outline: 0px; color: #ff8124;"><strong style="outline: 0px;">在加强部门工作协同方面：</strong></span></p><p style="outline: 0px;"> </p><p style="outline: 0px;">健全医保、民政、财政、农业农村、税务等部门参与的困难群众参保工作协同机制，协同加大参保动员，畅通参保缴费渠道，确保政策宣传到位、资助精准到人。<strong style="outline: 0px;">2023年医疗救助共资助8020万困难群众参保，监测的农村低收入人口参保率持续稳定在99%以上</strong>。</p></section></section></section></section></section><section style="margin-bottom: 10px; outline: 0px; text-align: left; justify-content: flex-start; display: flex; flex-flow: row;"><section style="padding: 15px; outline: 0px; display: inline-block; width: 677px; vertical-align: top; align-self: flex-start; flex: 0 0 auto; border: 1px solid #3e3e3e;"><section style="outline: 0px; display: flex; width: 645px; flex-flow: column;"><section style="outline: 0px; z-index: 2; transform: perspective(0px); transform-style: flat;"><section style="margin-bottom: -10px; outline: 0px; text-align: right; line-height: 0; transform: translate3d(12px, 0px, 0px) rotateX(180deg) rotateY(180deg);"><section style="outline: 0px; vertical-align: middle; display: inline-block; line-height: 0; width: 50px; height: auto;"><img style="outline: 0px; vertical-align: middle; width: 50px !important; visibility: visible !important;" src="https://pic.app.jiuquhe.com/Fmwcv_oCIgtd7hE43WtICZFyiXU1" /></section></section></section></section><section style="outline: 0px; text-align: justify;"><p style="outline: 0px;"> </p></section><section style="outline: 0px; text-align: justify; font-size: 18px;"><p style="outline: 0px;"><strong style="outline: 0px;">当前我国居民医保待遇整体保障情况如何？</strong></p></section><section style="outline: 0px; text-align: justify;"><p style="outline: 0px;"> </p></section><section style="outline: 0px; justify-content: flex-start; display: flex; flex-flow: row;"><section style="padding: 20px; outline: 0px; display: inline-block; width: auto; vertical-align: top; align-self: flex-start; flex: 100 100 0%; height: auto; background-color: #eaf1ff;"><section style="outline: 0px; text-align: justify; font-size: 18px; color: #57b7f8;"><p style="outline: 0px;"><strong style="outline: 0px;">国家医疗保障局：</strong></p></section><section style="margin-top: 8px; outline: 0px;"><section style="outline: 0px; background-color: #cb915e; height: 1px;"></section></section><section style="outline: 0px; text-align: justify;"><p style="outline: 0px;"> </p></section><section style="outline: 0px; text-align: justify; color: #3e3e3e;"><p style="outline: 0px;">简要概括起来就是“四个保”。</p><p style="outline: 0px;"> </p><p style="outline: 0px;"><span style="outline: 0px; color: #ff8124;"><strong style="outline: 0px;">保住院：政策范围内报销比例达到70%左右。</strong></span></p><p style="outline: 0px;"> </p><p style="outline: 0px;">目前居民医保实行市地级统筹，各地的具体保障政策因各地经济发展水平、基金承受能力有所差异。</p><p style="outline: 0px;"> </p><p style="outline: 0px;">总的来看，<strong style="outline: 0px;">全国政策范围内住院医疗费用基金支付比例达到70%左右</strong>，基金的年度最高支付限额能够达到当地居民年人均可支配收入的6倍左右。</p><p style="outline: 0px;"> </p><p style="outline: 0px;"><span style="outline: 0px; color: #ff8124;"><strong style="outline: 0px;">保门诊：普通门诊、门诊慢性病、特殊疾病以及高血压糖尿病门诊用药均可保障。</strong></span></p><p style="outline: 0px;"> </p><p style="outline: 0px;">在做好住院保障的基础上，<strong style="outline: 0px;">各地普遍把治疗周期长、对健康损害大、费用负担重的慢性病、特殊疾病门诊费用纳入基金支付范围</strong>，恶性肿瘤门诊放化疗、尿毒症透析、器官移植术后抗排异治疗等还可以参照住院管理和支付。</p><p style="outline: 0px;"> </p><p style="outline: 0px;">同时，普遍开展普通门诊统筹，按照费用而非病种对门诊医疗费用进行保障，依托基层医疗卫生机构将参保人在定点医疗机构发生的普通门诊费用纳入报销范围，<strong style="outline: 0px;">政策范围内报销比例从50%起步</strong>。</p><p style="outline: 0px;"> </p><p style="outline: 0px;">2019年起，还将<strong style="outline: 0px;">高血压、糖尿病</strong>患者在基层医疗机构发生的降血压、降血糖药品纳入保障范围，<strong style="outline: 0px;">不设起付线</strong><strong style="outline: 0px;">，报销比例达到50%以上</strong>。“两病”门诊用药保障机制目前已惠及1.8亿<span style="outline: 0px; letter-spacing: 0.544px;">“两病”</span>患者，<strong style="outline: 0px;">减轻用药负担860亿元</strong>。</p><p style="outline: 0px;"> </p><p style="outline: 0px;"><span style="outline: 0px; color: #ff8124;"><strong style="outline: 0px;">保大病：无需另行缴费即可享受城乡居民大病保险待遇。</strong></span></p><p style="outline: 0px;"> </p><p style="outline: 0px;">参保人患病住院后发生的高额医疗费支出，通过基本医疗保险报销后，<strong style="outline: 0px;">个人自付费用还可以通过大病保险进一步保障</strong>。</p><p style="outline: 0px;"> </p><p style="outline: 0px;">以2023年为例，大病患者报销水平在基本医保报销基础上<strong style="outline: 0px;">再提高至少15个百分点</strong>，参保患者的费用负担大大减轻。</p><p style="outline: 0px;"> </p><p style="outline: 0px;"><span style="outline: 0px; color: #ff8124;"><strong style="outline: 0px;">保生育：生育医疗费用待遇保障持续加强。</strong></span></p><p style="outline: 0px;"> </p><p style="outline: 0px;">居民医保不仅保障参保人门诊和住院就医费用，对分娩等生育医疗费用也有保障，<strong style="outline: 0px;">参保人生育分娩后可按照相关流程进行报销</strong>。</p></section></section></section></section></section></section><p style="outline: 0px; letter-spacing: 0.544px; text-indent: 0em; white-space: normal; background-color: #ffffff; font-size: 18px; font-family: Microsoft Yahei; line-height: 1.5em; writing-mode: horizontal-tb; text-orientation: mixed; text-align: center; margin-bottom: 0px; border: medium none initial;"><span style="outline: 0px; font-size: 14px; color: #888888; letter-spacing: normal;"><strong style="outline: 0px;"> </strong></span></p><section style="margin-bottom: 15px; outline: 0px; letter-spacing: 0.544px; text-indent: 0em; white-space: normal; background-color: #ffffff; font-size: 18px; font-family: Microsoft Yahei; line-height: 1.5em; writing-mode: horizontal-tb; text-orientation: mixed; text-align: center; border: medium none initial;"><span style="outline: 0px; font-size: 14px; color: #888888; letter-spacing: normal;"><strong style="outline: 0px;">来源：<strong style="outline: 0px;"><strong style="outline: 0px;"><strong style="outline: 0px; font-size: 18px; letter-spacing: 0.544px;"><span style="outline: 0px; font-size: 14px;">中国政府网、资阳发改</span></strong></strong></strong></strong></span></section><p class="empty_paragraph" style="outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; white-space: normal; background-color: #ffffff; letter-spacing: 0.578px; text-align: center; margin-bottom: 0px;"> </p><p style="display: none;"> </p> <!----></div> 应该积极参保 知道了哦 谢谢告知 谢谢告知 这个很详细 谢谢分享 这个可以有 谢谢告知 谢谢告知
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