医保扶贫不足与过度问题研究【摘要】医保扶贫是我国精准扶贫战略和健康中国战略必不可少组成部分。从 1998 年全面实施职工医保改革以来，我国逐步建立起以基本医疗保险为主体的医疗保障制度，实现了基本医疗保险的全民覆盖，基本医疗保险的待遇保障水平也不断提高。近几年，无论是在促进人力资本发展还是在保障贫困户的公平权益方面，健康扶贫都取得了成功。但也应该看到，健康扶贫在还存在着两个方面的挑战:一是保障不足的问题，二是保障过度的问题。本文选取按医保扶贫保障不足与医保扶贫保障过度，通过对国内外相关文献进行归纳总结及比较，结合政策分析法，研究这两个问题的特点，由此为完善医保扶贫的相关政策提供建议。【关键词】医保扶贫；健康扶贫；精准扶贫；保障不足；保障过度注：本论文（设计）题目来源于教师的国家级（或省部级、厅级、市级、校级、企业）科研项目，项目编号为：B2019233。Research on Insufficiency and Excessive Poverty Alleviation of Medical Security[Abstract] Medical security poverty alleviation is an indispensable part of China's targeted poverty alleviation strategy and healthy China strategy. Since the full implementation of the employee medical insurance reform in 1998, China has gradually established a medical security system with basic medical insurance as the main body, and has achieved universal coverage of basic medical insurance, and the level of basic medical insurance has been continuously improved. In recent years, whether in promoting human capital development or in protecting the fair rights and interests of poor households, healthy poverty alleviation has achieved success. However, it should also be noted that there are still two challenges in health poverty alleviation: one is the problem of insufficient protection, and the other is the problem of excessive protection. This article selects the insufficient medical insurance poverty alleviation guarantee and the medical insurance poverty alleviation guarantee excessively, through...
