Dynamic Model on Determining the Appropriate Premium Rate for Basic Medical Insurance of Urban Employee and the Calculation on Reduction to Current Premium Rate for Basic Medical Insurance of Urban Employee during the Period of the 13th Five-year Plan / 中国卫生经济

ABSTRACT

Objective:Study the dynamic model on determining the appropriate premium rate for basic medical insurance of urban employee(BMlUE) and the calculation of reduction to current premium rate for BMIUE in the period of the 13th Five-Year Plan.Methods:It developed a quantitative model to explore the objective.Results:There were 8 parameters all determined the appropriate premium for BMIUE.Conclusion:The results of calculation showed that in the period of the 13th Five-Year Plan,the current premium rate for BMIUE could be cut from 8％ into 7.9％ if keeping the current financial institutional arrangement named individual account and social pooling constant.If cancelling individual account,the current premium rate for BMIUE could be cut from 8％ into 7％.