@绵阳人注意！医保改革后职工个人账户划入减少？官方回应来啦，你了解吗？
<section><mp-common-profile class="js_uneditable custom_select_card mp_profile_iframe" data-pluginname="mpprofile" data-weui-theme="light" data-id="Mzg4Nzc3NDA3NQ==" data-headimg="http://bbs.xishuw.com/plugin.php?id=wcn_editor:wx_img&url=http://mmbiz.qpic.cn/mmbiz_png/yneMS8o1iceOy9IEc3U8mlFn2yia1hEWn3ngE7GXc1aNmwBcicuh9dARgOnKlSMsDBS6SUKW9LuaQ0eByamiaCILcA/0?wx_fmt=png" data-nickname="绵阳发布" data-alias="fabumianyang" data-signature="中国科技城 成渝副中心" data-from="0" data-is_biz_ban="0"></mp-common-profile></section><p><section data-role="outer" label="edit by 135editor"><h1 data-mpa-powered-by="yiban.io" style="margin-right: 8px;margin-left: 8px;outline: 0px;max-width: 100%;color: rgb(34, 34, 34);letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);visibility: visible;text-indent: 2em;font-family: system-ui, -apple-system, system-ui, Arial, sans-serif;margin-bottom: 0px;line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="font-size: 17px;"><span style="outline: 0px;max-width: 100%;visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;">近日，一些地方推进职工医保门诊共济保障机制改革，引发部分群众关注。</span><strong style="outline: 0px;max-width: 100%;visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="outline: 0px;max-width: 100%;color: #007AAA;visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;">部分群众对改革后职工医保个人账户划入减少有疑问，</span></strong><span style="outline: 0px;max-width: 100%;visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;">对改革后看病就医便利性有顾虑。针对此次改革中社会普遍关心的问题，国家医疗保障局有关司负责人回答了记者提问。</span></span></h1><p><br/></p><p style="text-align:center;"></p><p style="text-align:center;"><br/></p><section data-tools="135编辑器" data-id="111500"><section itemscope="" itemtype="https://mp.weixin.qq.com/voc/Question" style="margin: 20px auto;"><section style="display: flex;"><section style="box-sizing: border-box;background-color: rgb(219, 229, 241);display: flex;width: 85%;margin-left: -1px;max-width: 85% !important;" data-width="85%"><section style="background-color: #17365d;display: flex;align-items: center;"><section style="font-size: 16px;color: rgb(219, 229, 241);padding-right: 10px;padding-left: 10px;text-align: right;box-sizing: border-box;"><span style="font-size:20px;"><strong data-brushtype="text">问:</strong></span></section></section><section style="line-height: 2em;"><section style="display: flex;align-items: center;"><section style="font-size: 16px;color: rgb(23, 54, 93);padding-right: 10px;padding-left: 10px;box-sizing: border-box;"><span style="font-size:17px;"><strong itemprop="name" data-brushtype="text">此次改革的背景是什么？</strong></span></section></section></section></section></section><section itemprop="suggestedAnswer" itemscope="" itemtype="https://mp.weixin.qq.com/voc/Answer" style="border-width: 1px;border-style: solid;border-color: rgb(23, 54, 93);display: flex;justify-content: space-between;margin-top: 20px;box-sizing: border-box;"><section style="max-width: 10% !important;box-sizing:border-box;width: 10%;" data-width="10%"><section style="font-size: 14px;color: rgb(23, 54, 93);background-color: rgb(219, 229, 241);text-align: center;padding-top: 15px;padding-bottom: 15px;box-sizing: border-box;"><span style="font-size:20px;"><strong data-brushtype="text">答:</strong></span></section></section><section style="max-width: 88% !important;box-sizing:border-box;width: 88%;" data-width="88%"><section style="padding-top: 20px;padding-right: 20px;padding-bottom: 20px;box-sizing: border-box;"><section data-autoskip="1" style="line-height: 1.75em;letter-spacing: 1.5px;font-size: 14px;background-image: initial;background-position: initial;background-size: initial;background-repeat: initial;background-attachment: initial;background-origin: initial;background-clip: initial;"><p style="margin-right: 8px;margin-left: 8px;outline: 0px;max-width: 100%;color: rgb(34, 34, 34);letter-spacing: 0.544px;visibility: visible;font-family: system-ui, -apple-system, system-ui, Arial, sans-serif;margin-bottom: 0px;line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="font-size: 17px;"><span style="outline: 0px;max-width: 100%;visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;">我国职工医保制度于1998年建立，实行社会统筹和个人账户相结合的保障模式。具体而言，就是由单位和职工个人共同缴费。单位缴费的一部分和职工个人缴费的全部，划入个人账户，主要用于保障普通门诊和购药费用。单位缴费的另一部分形成统筹基金，主要用于保障参保职工住院费用。这个制度在当时特定历史时期中发挥了重要作用，但随着20多年来经济社会的巨大变化，</span><span style="outline: 0px;max-width: 100%;color: #007aaa;visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;"><strong style="outline: 0px;max-width: 100%;visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;">个人账户风险自担、自我保障门诊费用的方式，已越来越难以满足保障群众健康的需要，具体表现在“三个不适应”。</strong></span></span></p><p style="margin-right: 8px;margin-left: 8px;outline: 0px;max-width: 100%;color: rgb(34, 34, 34);letter-spacing: 0.544px;visibility: visible;font-family: system-ui, -apple-system, system-ui, Arial, sans-serif;margin-bottom: 0px;line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important;"><br/></p><section style="margin-right: 8px;margin-left: 8px;outline: 0px;max-width: 100%;color: rgb(34, 34, 34);letter-spacing: 0.544px;background-color: rgb(255, 255, 255);line-height: 1.75em;visibility: visible;margin-bottom: 16px;box-sizing: border-box !important;overflow-wrap: break-word !important;font-family: system-ui, -apple-system, system-ui, Arial, sans-serif;"><section style="margin-bottom: 0px;line-height: 2em;"><span style="font-size: 17px;"><strong style="outline: 0px;max-width: 100%;visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="outline: 0px;max-width: 100%;color: #007aaa;visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;">一是不适应日益慢性病化的疾病谱。</span></strong><span style="outline: 0px;max-width: 100%;visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;">职工医保建立20多年来，我国疾病谱已发生了巨大变化，慢性病已成为影响我国居民健康的主要疾病。全国居民因慢性病导致的死亡人数占总死亡人数的比例超过85%，导致的疾病负担占总疾病负担的70%以上。治疗慢性病最有效的方式，就是通过门诊早诊早治、健康管理，避免小病拖成大病，有效减轻群众病痛和经济负担。原有制度安排中，以个人账户保障普通门诊费用的方式难以满足现实需求。</span></span></section><section style="margin-bottom: 0px;line-height: 2em;"><span style="font-size: 17px;"><span style="outline: 0px;max-width: 100%;visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;"><br/></span></span></section><section style="margin-bottom: 0px;line-height: 2em;"><span style="font-size: 17px;letter-spacing: 0.544px;outline: 0px;max-width: 100%;color: rgb(0, 122, 170);visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;"><strong style="outline: 0px;max-width: 100%;visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="outline: 0px;max-width: 100%;visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;">二是不适应医疗技术的飞速进步。</span></strong></span><span style="font-size: 17px;letter-spacing: 0.544px;outline: 0px;max-width: 100%;visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;">随着医疗技术的发展，门诊可提供的医疗服务范围大幅增加，服务功能明显加强。之前群众需要住院才能享受的诊疗服务，已越来越多地转变为门诊项目。过去必须通过住院才能开展的检查检验及部分手术项目，现在通过门诊就可以解决，门诊服务量快速增长。2001年到2021年，全国医疗机构门急诊人次数从19.5亿次增至80.4亿次，增长了312%。个人账户有限的资金积累，难以适应参保人对门诊需求的大幅增长。</span></section><section style="margin-bottom: 0px;line-height: 2em;"><span style="font-size: 17px;letter-spacing: 0.544px;outline: 0px;max-width: 100%;visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;"><br/></span></section><section style="margin-bottom: 0px;line-height: 2em;"><span style="font-size: 17px;letter-spacing: 0.544px;outline: 0px;max-width: 100%;color: rgb(0, 122, 170);box-sizing: border-box !important;overflow-wrap: break-word !important;"><strong style="outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;">三是不适应我国老龄化发展趋势。</span></strong></span><span style="font-size: 17px;letter-spacing: 0.544px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;">2001年我国就已进入老龄化社会，较其他国家，我国老龄化速度更快、老龄人口占比更大。2001年至2021年，全国65岁及以上老年人口从9062万快速增长至2.05亿，占总人口的比重从7.1%攀升至14.2%。据测算，2035年左右，我国60岁及以上老年人口将突破4亿，在总人口中的占比将超过30%，进入重度老龄化阶段。老年人随着年龄增加，患病概率更高，而且往往易患多种慢性病，门诊就医频次、就医费用都显著高于中青年。2021年，退休人员人均门诊就诊次数是在职职工的2.17倍，门诊次均费用是在职职工的1.15倍。但原有制度对门诊保障力度不足，老年人小病时不舍得花钱治疗，小病拖成大病，最终不得不住院治疗的现象不在少数。这既增加了老年人身心痛苦，也增加了家人的照护负担，还导致花费了更多费用。</span></section><section style="margin-bottom: 0px;line-height: 2em;"><span style="font-size: 17px;letter-spacing: 0.544px;"><br/></span></section><section style="margin-bottom: 0px;line-height: 2em;"><span style="font-size: 17px;letter-spacing: 0.544px;">基于上述原因，群众要求报销普通门诊费用的呼声越来越高。</span><span style="font-size: 17px;letter-spacing: 0.544px;">为此，国家医保局从2018年开始谋划改革工作，经过反复论证、深入研究后，形成了初步改革方案，并于2020年8月通过中国政府网、国家医保局官方网站等平台向社会广泛公开征求了意见。</span><span style="font-size: 17px;letter-spacing: 0.544px;">2021年4月，国务院办公厅印发《关于建立健全职工基本医疗保险门诊共济保障机制的指导意见》（国办发〔2021〕14号，以下简称《指导意见》），改革正式启动。</span></section></section></section></section></section></section></section></section><p style="text-align:center;"><br/></p><section data-tools="135编辑器" data-id="111500"><section itemscope="" itemtype="https://mp.weixin.qq.com/voc/Question" style="margin: 20px auto;"><section style="display: flex;"><section style="box-sizing: border-box;background-color: rgb(219, 229, 241);display: flex;width: 85%;margin-left: -1px;max-width: 85% !important;" data-width="85%"><section style="background-color: #17365d;display: flex;align-items: center;"><section style="font-size: 16px;color: rgb(219, 229, 241);padding-right: 10px;padding-left: 10px;text-align: right;box-sizing: border-box;"><span style="font-size:20px;"><strong data-brushtype="text">问:</strong></span></section></section><section style="line-height: 2em;"><section style="display: flex;align-items: center;"><section style="font-size: 16px;color: rgb(23, 54, 93);padding-right: 10px;padding-left: 10px;box-sizing: border-box;"><span style="font-size:17px;"><strong itemprop="name" data-brushtype="text">此次改革可为参保人带来哪些获益？</strong></span></section></section></section></section></section><section itemprop="suggestedAnswer" itemscope="" itemtype="https://mp.weixin.qq.com/voc/Answer" style="border-width: 1px;border-style: solid;border-color: rgb(23, 54, 93);display: flex;justify-content: space-between;margin-top: 20px;box-sizing: border-box;"><section style="max-width: 10% !important;box-sizing:border-box;width: 10%;" data-width="10%"><section style="font-size: 14px;color: rgb(23, 54, 93);background-color: rgb(219, 229, 241);text-align: center;padding-top: 15px;padding-bottom: 15px;box-sizing: border-box;"><span style="font-size:20px;"><strong data-brushtype="text">答:</strong></span></section></section><section style="max-width: 88% !important;box-sizing:border-box;width: 88%;" data-width="88%"><section style="padding-top: 20px;padding-right: 20px;padding-bottom: 20px;box-sizing: border-box;"><section data-autoskip="1" style="line-height: 1.75em;letter-spacing: 1.5px;font-size: 14px;background-image: initial;background-position: initial;background-size: initial;background-repeat: initial;background-attachment: initial;background-origin: initial;background-clip: initial;"><section style="margin-right: 8px;margin-left: 8px;outline: 0px;max-width: 100%;color: rgb(34, 34, 34);letter-spacing: 0.544px;visibility: visible;font-family: system-ui, -apple-system, system-ui, Arial, sans-serif;line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important;"><strong style="color: #007aaa;font-size: 17px;letter-spacing: 0.544px;caret-color: red;outline-style: initial;max-width: 100%;">此次改革，将在以下三方面给参保人带来获益。</strong></section><section style="margin-right: 8px;margin-left: 8px;outline: 0px;max-width: 100%;color: rgb(34, 34, 34);letter-spacing: 0.544px;visibility: visible;font-family: system-ui, -apple-system, system-ui, Arial, sans-serif;line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="letter-spacing: 0.544px;font-size: 17px;background-color: rgb(255, 255, 255);outline: 0px;max-width: 100%;color: rgb(0, 122, 170);box-sizing: border-box !important;overflow-wrap: break-word !important;"><strong style="outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"><br/></span></strong></span></section><section style="margin-right: 8px;margin-left: 8px;outline: 0px;max-width: 100%;color: rgb(34, 34, 34);letter-spacing: 0.544px;visibility: visible;font-family: system-ui, -apple-system, system-ui, Arial, sans-serif;line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="letter-spacing: 0.544px;font-size: 17px;background-color: rgb(255, 255, 255);outline: 0px;max-width: 100%;color: rgb(0, 122, 170);box-sizing: border-box !important;overflow-wrap: break-word !important;"><strong style="outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;">一是“增”，让大部分地区实现普通门诊报销从无到有的转变。</span></strong></span><span style="letter-spacing: 0.544px;font-size: 17px;background-color: rgb(255, 255, 255);outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;">通俗来说，就是原来职工医保参保人看普通门诊不报销的地区，改革后可以报销；原来看普通门诊可以报销的地区，报销额度进一步提升。</span><span style="letter-spacing: 0.544px;font-size: 17px;background-color: rgb(255, 255, 255);outline: 0px;max-width: 100%;color: rgb(0, 122, 170);box-sizing: border-box !important;overflow-wrap: break-word !important;"><strong style="outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;">第一，除了药品费用可以报销外，符合规定的检查、检验、治疗等费用也可以报销。第二，部分治疗周期长、对健康损害大、费用负担重的疾病门诊费用将被纳入普通门诊报销，并享受更高的报销比例和额度。第三，符合条件的定点零售药店提供的用药保障服务，也被纳入门诊报销范围。</strong></span></section><section style="margin-right: 8px;margin-left: 8px;outline: 0px;max-width: 100%;color: rgb(34, 34, 34);letter-spacing: 0.544px;visibility: visible;font-family: system-ui, -apple-system, system-ui, Arial, sans-serif;line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="letter-spacing: 0.544px;font-size: 17px;outline: 0px;max-width: 100%;color: rgb(0, 122, 170);box-sizing: border-box !important;overflow-wrap: break-word !important;"><strong style="outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"><br/></span></strong></span></section><section style="margin-right: 8px;margin-left: 8px;outline: 0px;max-width: 100%;color: rgb(34, 34, 34);letter-spacing: 0.544px;visibility: visible;font-family: system-ui, -apple-system, system-ui, Arial, sans-serif;line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="letter-spacing: 0.544px;font-size: 17px;outline: 0px;max-width: 100%;color: rgb(0, 122, 170);box-sizing: border-box !important;overflow-wrap: break-word !important;"><strong style="outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;">二是“优”，通过优化医疗资源配置一定程度缓解“住院难”问题。</span></strong></span><span style="letter-spacing: 0.544px;font-size: 17px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;">改革前，由于普通门诊保障不足，“无指征住院”“挂床住院”“小病住院”等不合理的医疗行为频发。改革后，</span><span style="letter-spacing: 0.544px;font-size: 17px;outline: 0px;max-width: 100%;color: rgb(0, 122, 170);box-sizing: border-box !important;overflow-wrap: break-word !important;"><strong style="outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;">参保人在普通门诊就能享受报销</strong></span><span style="letter-spacing: 0.544px;font-size: 17px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;">，一定程度上能够降低此前居高不下的住院率，减轻大医院病床周转的压力，促进医疗资源合理配置，把优质医疗资源留给真正需要的病人。</span></section><section style="margin-right: 8px;margin-left: 8px;outline: 0px;max-width: 100%;color: rgb(34, 34, 34);letter-spacing: 0.544px;visibility: visible;font-family: system-ui, -apple-system, system-ui, Arial, sans-serif;line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="letter-spacing: 0.544px;font-size: 17px;outline: 0px;max-width: 100%;color: rgb(0, 122, 170);box-sizing: border-box !important;overflow-wrap: break-word !important;"><strong style="outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"><br/></span></strong></span></section><section style="margin-right: 8px;margin-left: 8px;outline: 0px;max-width: 100%;color: rgb(34, 34, 34);letter-spacing: 0.544px;visibility: visible;font-family: system-ui, -apple-system, system-ui, Arial, sans-serif;line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="letter-spacing: 0.544px;font-size: 17px;outline: 0px;max-width: 100%;color: rgb(0, 122, 170);box-sizing: border-box !important;overflow-wrap: break-word !important;"><strong style="outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;">三是“拓”，将个人账户使用范围由参保人本人拓展到家庭成员。</span></strong></span><span style="letter-spacing: 0.544px;font-size: 17px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;">改革前，个人账户按规定只能由参保职工本人使用，家庭成员生病时不能使用亲属的个人账户。本次改革在三方面拓展了个人账户使用范围：第一，可以支付配偶、父母、子女在定点医疗机构就医时发生的由个人负担的医疗费用；第二，可以支付配偶、父母、子女在定点零售药店购买药品、医疗器械、医用耗材发生的由个人负担的费用；第三，部分地区可以支付配偶、父母、子女参加城乡居民基本医疗保险等的个人缴费。</span></section><p style="margin-right: 8px;margin-left: 8px;outline: 0px;max-width: 100%;color: rgb(34, 34, 34);letter-spacing: 0.544px;line-height: 2em;font-family: system-ui, -apple-system, system-ui, Arial, sans-serif;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="font-size: 17px;"><span style="outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"></span></span></p></section></section></section></section></section></section><p style="margin-right: 8px;margin-left: 8px;outline: 0px;max-width: 100%;color: rgb(34, 34, 34);letter-spacing: 0.544px;line-height: 1.75em;visibility: visible;margin-bottom: 16px;box-sizing: border-box !important;overflow-wrap: break-word !important;font-family: system-ui, -apple-system, system-ui, Arial, sans-serif;"><br/></p><section data-tools="135编辑器" data-id="111500"><section itemscope="" itemtype="https://mp.weixin.qq.com/voc/Question" style="margin: 20px auto;"><section style="display: flex;"><section style="box-sizing: border-box;background-color: rgb(219, 229, 241);display: flex;width: 85%;margin-left: -1px;max-width: 85% !important;" data-width="85%"><section style="background-color: #17365d;display: flex;align-items: center;"><section style="font-size: 16px;color: rgb(219, 229, 241);padding-right: 10px;padding-left: 10px;text-align: right;box-sizing: border-box;"><span style="font-size:20px;"><strong data-brushtype="text">问:</strong></span></section></section><section style="line-height: 2em;"><section style="display: flex;align-items: center;"><section style="font-size: 16px;color: rgb(23, 54, 93);padding-right: 10px;padding-left: 10px;box-sizing: border-box;"><span style="font-size:17px;"><strong itemprop="name" data-brushtype="text">此次改革的具体路径是什么？改革后，参保人个人账户里面的结余受影响吗？</strong></span></section></section></section></section></section><section itemprop="suggestedAnswer" itemscope="" itemtype="https://mp.weixin.qq.com/voc/Answer" style="border-width: 1px;border-style: solid;border-color: rgb(23, 54, 93);display: flex;justify-content: space-between;margin-top: 20px;box-sizing: border-box;"><section style="max-width: 10% !important;box-sizing:border-box;width: 10%;" data-width="10%"><section style="font-size: 14px;color: rgb(23, 54, 93);background-color: rgb(219, 229, 241);text-align: center;padding-top: 15px;padding-bottom: 15px;box-sizing: border-box;"><span style="font-size:20px;"><strong data-brushtype="text">答:</strong></span></section></section><section style="max-width: 88% !important;box-sizing:border-box;width: 88%;" data-width="88%"><section style="padding-top: 20px;padding-right: 20px;padding-bottom: 20px;box-sizing: border-box;"><section data-autoskip="1" style="line-height: 1.75em;letter-spacing: 1.5px;font-size: 14px;background-image: initial;background-position: initial;background-size: initial;background-repeat: initial;background-attachment: initial;background-origin: initial;background-clip: initial;"><p style="margin-right: 8px;margin-left: 8px;outline: 0px;max-width: 100%;color: rgb(34, 34, 34);letter-spacing: 0.544px;visibility: visible;font-family: system-ui, -apple-system, system-ui, Arial, sans-serif;line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="font-size: 17px;letter-spacing: 0.544px;caret-color: red;outline-style: initial;max-width: 100%;color: #007aaa;"><strong style="outline-style: initial;max-width: 100%;">本次改革，是在不增加社会和个人额外负担的前提下，建立职工医保普通门诊统筹报销机制，并通过调减单位缴费和统筹基金划入个人账户的比例，为普通门诊报销提供资金支持。</strong></span><span style="font-size: 17px;letter-spacing: 0.544px;caret-color: red;outline-style: initial;max-width: 100%;">改革明确要求，资金平移后全部用于门诊统筹报销，以满足广大参保人特别是退休人员对报销普通门诊费用的需求，简单来说就是</span><span style="font-size: 17px;letter-spacing: 0.544px;caret-color: red;outline-style: initial;max-width: 100%;color: #007aaa;"><strong style="outline-style: initial;max-width: 100%;">“待遇置换，资金平移”。</strong></span></p><p style="margin-right: 8px;margin-left: 8px;outline: 0px;max-width: 100%;color: rgb(34, 34, 34);letter-spacing: 0.544px;visibility: visible;font-family: system-ui, -apple-system, system-ui, Arial, sans-serif;line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="letter-spacing: 0.544px;font-size: 17px;background-color: rgb(255, 255, 255);outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"><br/></span></p><p style="margin-right: 8px;margin-left: 8px;outline: 0px;max-width: 100%;color: rgb(34, 34, 34);letter-spacing: 0.544px;visibility: visible;font-family: system-ui, -apple-system, system-ui, Arial, sans-serif;line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="letter-spacing: 0.544px;font-size: 17px;background-color: rgb(255, 255, 255);outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;">关于个人账户划入方式的调整，《指导意见》有明确设计。具体而言，</span><span style="letter-spacing: 0.544px;font-size: 17px;background-color: rgb(255, 255, 255);outline: 0px;max-width: 100%;color: rgb(0, 122, 170);box-sizing: border-box !important;overflow-wrap: break-word !important;"><strong style="outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;">主要有3个“不变”和2个“调整”。</strong></span></p><p style="margin-right: 8px;margin-left: 8px;outline: 0px;max-width: 100%;color: rgb(34, 34, 34);letter-spacing: 0.544px;visibility: visible;font-family: system-ui, -apple-system, system-ui, Arial, sans-serif;line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="letter-spacing: 0.544px;font-size: 17px;outline: 0px;max-width: 100%;color: rgb(0, 122, 170);box-sizing: border-box !important;overflow-wrap: break-word !important;"><strong style="outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"><br/></span></strong></span></p><p style="margin-right: 8px;margin-left: 8px;outline: 0px;max-width: 100%;color: rgb(34, 34, 34);letter-spacing: 0.544px;visibility: visible;font-family: system-ui, -apple-system, system-ui, Arial, sans-serif;line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="letter-spacing: 0.544px;font-size: 17px;outline: 0px;max-width: 100%;color: rgb(0, 122, 170);box-sizing: border-box !important;overflow-wrap: break-word !important;"><strong style="outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;">3个“不变”。</span></strong></span><span style="letter-spacing: 0.544px;font-size: 17px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;">第一，</span><span style="letter-spacing: 0.544px;font-size: 17px;outline: 0px;max-width: 100%;color: rgb(0, 122, 170);box-sizing: border-box !important;overflow-wrap: break-word !important;"><strong style="outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;">个人账户结余的归属不变。</strong></span><span style="letter-spacing: 0.544px;font-size: 17px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;">个人账户的本金和利息，无论是改革前的历史结余，还是改革后新划入形成的结余，都仍然归个人所有，都仍然可以结转使用和继承。第二，</span><strong style="letter-spacing: 0.544px;font-size: 17px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="outline: 0px;max-width: 100%;color: #007aaa;box-sizing: border-box !important;overflow-wrap: break-word !important;">在职职工个人缴费的比例、流向不变。</span></strong><span style="letter-spacing: 0.544px;font-size: 17px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;">在职职工个人医保缴费仍然全额划入个人账户。第三，</span><span style="letter-spacing: 0.544px;font-size: 17px;outline: 0px;max-width: 100%;color: rgb(0, 122, 170);box-sizing: border-box !important;overflow-wrap: break-word !important;"><strong style="outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;">退休人员不缴费的政策不变。</strong></span><span style="letter-spacing: 0.544px;font-size: 17px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;">退休人员仍然不需缴费，个人账户资金仍然由医保统筹基金划入。</span></p><p style="margin-right: 8px;margin-left: 8px;outline: 0px;max-width: 100%;color: rgb(34, 34, 34);letter-spacing: 0.544px;visibility: visible;font-family: system-ui, -apple-system, system-ui, Arial, sans-serif;line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="letter-spacing: 0.544px;font-size: 17px;outline: 0px;max-width: 100%;color: rgb(0, 122, 170);box-sizing: border-box !important;overflow-wrap: break-word !important;"><strong style="outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"><br/></span></strong></span></p><p style="margin-right: 8px;margin-left: 8px;outline: 0px;max-width: 100%;color: rgb(34, 34, 34);letter-spacing: 0.544px;visibility: visible;font-family: system-ui, -apple-system, system-ui, Arial, sans-serif;line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="letter-spacing: 0.544px;font-size: 17px;outline: 0px;max-width: 100%;color: rgb(0, 122, 170);box-sizing: border-box !important;overflow-wrap: break-word !important;"><strong style="outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;">2个“调整”，</span></strong></span><span style="letter-spacing: 0.544px;font-size: 17px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;">是指按照不同方法，分别调整在职职工、退休职工的个人账户划入方式。第一，</span><span style="letter-spacing: 0.544px;font-size: 17px;outline: 0px;max-width: 100%;color: rgb(0, 122, 170);box-sizing: border-box !important;overflow-wrap: break-word !important;"><strong style="outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;">对于在职职工，</strong></span><span style="letter-spacing: 0.544px;font-size: 17px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;">改革前，个人账户的资金来源由单位缴费的一部分和个人缴费共同组成；</span><span style="letter-spacing: 0.544px;font-size: 17px;outline: 0px;max-width: 100%;color: rgb(0, 122, 170);box-sizing: border-box !important;overflow-wrap: break-word !important;"><strong style="outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;">改革后，个人缴费依然全部划入个人账户，原来单位缴费划入个人账户的部分，划入统筹基金。</strong></span><span style="letter-spacing: 0.544px;font-size: 17px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;">第二，</span><span style="letter-spacing: 0.544px;font-size: 17px;outline: 0px;max-width: 100%;color: rgb(0, 122, 170);box-sizing: border-box !important;overflow-wrap: break-word !important;"><strong style="outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;">对于退休人员，</strong></span><span style="letter-spacing: 0.544px;font-size: 17px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;">改革前，大部分地方每月划入个人账户的资金为“个人养老金实际发放数×划入标准”；</span><strong style="letter-spacing: 0.544px;font-size: 17px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="outline: 0px;max-width: 100%;color: #007aaa;box-sizing: border-box !important;overflow-wrap: break-word !important;">改革后，划入个人账户的资金为“本统筹地区实施改革当年基本养老金平均水平×划入标准”，其中，改革后的划入标准比改革前有所降低。</span></strong></p><p style="margin-right: 8px;margin-left: 8px;outline: 0px;max-width: 100%;color: rgb(34, 34, 34);letter-spacing: 0.544px;visibility: visible;font-family: system-ui, -apple-system, system-ui, Arial, sans-serif;line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="letter-spacing: 0.544px;font-size: 17px;outline: 0px;max-width: 100%;color: rgb(0, 122, 170);box-sizing: border-box !important;overflow-wrap: break-word !important;"><strong style="outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"><br/></span></strong></span></p><p style="margin-right: 8px;margin-left: 8px;outline: 0px;max-width: 100%;color: rgb(34, 34, 34);letter-spacing: 0.544px;visibility: visible;font-family: system-ui, -apple-system, system-ui, Arial, sans-serif;line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="letter-spacing: 0.544px;font-size: 17px;outline: 0px;max-width: 100%;color: rgb(0, 122, 170);box-sizing: border-box !important;overflow-wrap: break-word !important;"><strong style="outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;">此次改革的核心，是用调整个人账户的划入方式，来“置换”普通门诊统筹报销。</span></strong></span><span style="letter-spacing: 0.544px;font-size: 17px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;">改革涉及利益调整，不少参保人划入个人账户的资金会有不同程度的减少。特别是考虑到我国各地区域间发展不平衡，医保政策存在一定差异，我们一直坚持稳步推进，努力处理好改革前后的政策衔接，逐步实现改革目标。</span><span style="font-size: 17px;letter-spacing: 0.544px;"></span></p></section></section></section></section></section></section><p style="margin-right: 8px;margin-left: 8px;outline: 0px;max-width: 100%;color: rgb(34, 34, 34);letter-spacing: 0.544px;line-height: 1.75em;visibility: visible;margin-bottom: 16px;box-sizing: border-box !important;overflow-wrap: break-word !important;font-family: system-ui, -apple-system, system-ui, Arial, sans-serif;"><br/></p><section style="box-sizing: border-box;font-size: 16px;"><section style="text-align: center;justify-content: center;margin: 10px 0%;display: flex;flex-flow: row nowrap;box-sizing: border-box;"><section style="box-sizing: border-box;display: inline-block;vertical-align: middle;width: auto;flex: 100 100 0%;align-self: center;height: auto;"><section style="margin-right: 0%;margin-left: 0%;box-sizing: border-box;"><section style="background-color: rgb(137, 177, 230);height: 1px;box-sizing: border-box;"><svg viewbox="0 0 1 1" style="box-sizing:border-box;float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section></section><section style="box-sizing:border-box;display: inline-block;vertical-align: middle;width: auto;min-width: 5%;max-width: 100%;flex: 0 0 auto;height: auto;align-self: center;margin-right: 15px;margin-left: 15px;"><section style="line-height: 0;box-sizing: border-box;"><section style="box-sizing:border-box;max-width: 100%;vertical-align: middle;display: inline-block;line-height: 0;width: 50px;height: auto;"></section></section></section><section style="box-sizing: border-box;display: inline-block;vertical-align: middle;width: auto;flex: 100 100 0%;align-self: center;height: auto;"><section style="margin-right: 0%;margin-left: 0%;box-sizing: border-box;"><section style="background-color: rgb(137, 177, 230);height: 1px;box-sizing: border-box;"><svg viewbox="0 0 1 1" style="box-sizing:border-box;float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section></section></section></section><section style="margin-right: 8px;margin-left: 8px;outline: 0px;max-width: 100%;color: rgb(34, 34, 34);letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);line-height: 1.75em;font-family: system-ui, -apple-system, system-ui, Arial, sans-serif;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"></span></section><section style="margin-right: 8px;margin-left: 8px;outline: 0px;max-width: 100%;color: rgb(34, 34, 34);letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);font-family: system-ui, -apple-system, system-ui, Arial, sans-serif;line-height: 2em;margin-bottom: 0px;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"></span></section><section style="margin-right: 8px;margin-left: 8px;outline: 0px;max-width: 100%;color: rgb(34, 34, 34);letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);font-family: system-ui, -apple-system, system-ui, Arial, sans-serif;line-height: 2em;margin-bottom: 0px;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;"></span></section><section style="margin-right: 8px;margin-left: 8px;outline: 0px;max-width: 100%;color: rgb(34, 34, 34);letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);font-family: system-ui, -apple-system, system-ui, Arial, sans-serif;margin-bottom: 0px;line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important;"><br/></section></section><section 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border-box;margin-bottom: 0px;"><p style="outline: 0px;max-width: 100%;color: rgb(34, 34, 34);font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: right;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="outline: 0px;max-width: 100%;font-size: 14px;color: rgb(136, 136, 136);box-sizing: border-box !important;overflow-wrap: break-word !important;">内容来源：<span style="color: rgb(136, 136, 136);font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;font-size: 14px;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);">国家医保局网站</span></span><span style="color: rgb(136, 136, 136);font-size: 14px;letter-spacing: 0.544px;"></span></p><p style="outline: 0px;max-width: 100%;color: rgb(34, 34, 34);font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: right;box-sizing: border-box !important;overflow-wrap: break-word !important;"><br/></p><p style="outline: 0px;max-width: 100%;color: rgb(34, 34, 34);font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);text-align: right;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="outline: 0px;max-width: 100%;font-size: 14px;color: rgb(136, 136, 136);box-sizing: border-box !important;overflow-wrap: break-word !important;"><br/></span></p><p style="text-align: center;margin-bottom: 0em;"></p></section></p><p style="display: none;"><mp-style-type data-value="3"></mp-style-type></p><p><br/></p><link rel="stylesheet" href="http://bbs.xishuw.com/source/plugin/wcn_editor/public/wcn_editor_fit.css?v133_spN" id="wcn_editor_css"/> 我个人帐户入帐从280变成了142，近乎腰斩，太狠了 比以前少的多 说再多反正钱少了… 实际就是个人账户每个月少划拨了2/3 此次改革的核心，是用调整个人账户的划入方式，来“置换”普通门诊统筹报销。 医保改革后职工个人账户划入减少这应该是不可能的哦 以后…看病看不起了…去药店买药买不起了 上次去门诊，少了40，可现在每个月自己账号比去年少100多，我宁愿恢复成以前的，自己用好多刷好多 xs_5ldd8asm 发表于 2023-2-28 17:27医保划入每个月都减少一半，请问有几个职工倒霉到每个月都要上医院看病，那没使用的使用报销的钱是不是年底 ...
哎.变起方式在整钱哟！还是老百姓的钱钱钱哟 对于全部自费缴纳社保的人是最亏的 原来职工医保参保人看普通门诊不报销的地区，改革后可以报销这点很不错 本次改革，是在不增加社会和个人额外负担的前提下，建立职工医保普通门诊统筹报销机制，并通过调减单位缴费和统筹基金划入个人账户的比例，为普通门诊报销提供资金支持。 星星口袋 发表于 2023-2-27 10:36
本次改革，是在不增加社会和个人额外负担的前提下，建立职工医保普通门诊统筹报销机制，并通过调减单位缴费 ...
看不懂这么官方的话术，只要是对老百姓好就支持 什么时候能实现呢 我也来了解学习一下 分别调整在职职工、退休职工的个人账户划入方式。