社会主义市场经济体系的建立和发展,需要社会保障制度的有力支持,医疗保险制度是社会保障制度的重要组成部分,医疗保险制度的运行和实施,对持续发展国民经济,有效保障人民健康,积极维护社会稳定,都有深远的意义。医疗保险基金的覆盖范围和筹集方式以及支付模式建立城镇职工基本医疗保险制度的原则是:筹资与保障水平与生产力发展水平相适用;覆盖所有城镇用人单位及其劳动者,并实行属地管理;保险费用由用人单位和职工个人双方负担,医保基金实行社会统筹与个人账户相结合。为解决参保人员超过基本医疗金最高限额4万元以上的医疗费,实行了大额医疗补助金,筹集标准每人每月5元,一个医疗年度内大额医疗补助金的最高 The establishment and development of the socialist market economic system require the strong support of the social security system. The medical insurance system is an important part of the social security system. The operation and implementation of the medical insurance system is of great importance to the sustainable development of the national economy and the effective protection of people’s health. Maintaining social stability has far-reaching significance. The coverage of medical insurance funds and ways of raising them and the mode of payment The principle of establishing a basic medical insurance system for urban workers is that the level of funding and protection is compatible with the level of development of productive forces; that all urban employers and their workers are covered and that the territory is managed; insurance The expenses shall be borne by both the employer and the individual worker, and the medical insurance fund shall be integrated with the social pooling and personal accounts. In order to solve the problem that insured persons exceed the maximum medical allowance of more than 40,000 yuan for basic medical insurance, a large-sum medical subsidy has been implemented to raise a standard of 5 yuan per person per month and the maximum of large-sum medical subsidy in a medical year