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医疗保险制度是国家为解决农村人口看病难、看病贵问题而出台的一项惠农政策。自其试点以来,在一定程度上缓解了城乡居民医疗保障问题,但由于各方面的原因,该制度在实施和推广普及过程中困难重重。分析传统农村合作医疗制度逐渐被城乡居民制度取代的原因,阐述城乡居民制度的实施现状及存在问题,湖南省城乡居民制度从2003年试点以来取得了较大的成效,到2008年基本实现国务院覆盖全省的目标,但在实施过程中仍然存在许多问题,如宣传工作不到位、定点合作医疗机构医疗条件落后、筹资困难、城乡居民收益水平低等问题,并据此提出相应的对策,如加大宣传力度、改善合作医疗机构的医疗条件、加大政府补助,减轻城乡居民负担、加快相关的立法建设等措施,以达到逐渐完善湖南省城乡居民制度的目的。
The medical insurance system is a preferential agricultural policy promulgated by the state for solving the problems of difficult access to medical treatment for the rural population and expensive medical treatment. Since its pilot project, medical insurance for urban and rural residents has been alleviated to a certain extent. However, due to various reasons, the system has a lot of difficulties in implementing and popularizing the system. Analysis of the traditional rural cooperative medical system was gradually replaced by the urban-rural resident system, explain the status quo and existing problems of urban and rural residents system implementation, Hunan Province, the urban and rural residents system has made great achievements since the pilot in 2003, the basic realization of the State Council in 2008 The province’s goal, but there are still many problems in the implementation process, such as publicity is not in place, the medical conditions of fixed-point cooperative medical institutions lagging behind, financing difficulties, low income levels of urban and rural residents and other issues, and accordingly put forward countermeasures such as Great propaganda efforts to improve the medical conditions of cooperative medical institutions, increase government subsidies to reduce the burden on urban and rural residents, accelerate the relevant legislative construction and other measures to achieve gradual improvement of urban and rural areas in Hunan Province, the purpose of the system.