中央一号文件：巩固拓展农村居民医保参保成果，健全激励约束机制|界面新闻 · 中国

[天涯听雨]

"巩固拓展农村居民医保参保成果"

中共中央国务院 Recently Released Opinions Strengthen Rural Modernization and Comprehensive Revitalization of Rural Areas

中共中央国务院关于锚定农业农村现代化 扎实推进乡村全面振兴的意见 Recently Published

国家医保局 recently Published Reports Showed that as of December 2024, There are 1.327 billion people Participated in the National Basic Medical Insurance, with a participation Rate above 95%. The number of Rural Residents who Joined the basic medical insurance reached 94,713,000.

However，Despite these achievements， there are still some problems in the development of rural residents' medical insurance。如，some people Still don't know how to sign up for medical insurance in their hometowns，the financing mechanism of rural residents' medical insurance is not perfect，and there is no incentive for continuous participation，and it's difficult for grassroots workers to get accurate data on people who have not participated.

To support the improvement of medical service capacity and level，国家 recently Adjusted the annual participation fee standard for each resident，increasing the financial subsidy for residents' medical insurance。In 2025, the average financial subsidy per person reached 670 yuan。 Additionally，many places have explored ways to encourage continuous participation，such as increasing hospital reimbursement ratios and raising the maximum payment ceiling for emergency department visits。

The National Office of the State Council recently Published Guidelines on Strengthening the Long-Term Mechanism of Basic Medical Insurance Participation

国务院办公厅印发的《关于健全基本医疗保险参保长效机制的指导意见》，明确建立对居民医保连续参保人员和零报销人员的大病保险待遇激励机制。自2025年起，对断保人员再参保的，可降低大病保险最高支付限额；对连续参加居民医保满4年的参保人员，之后每连续参保1年，可适当提高大病保险最高支付限额。

此外，该文件优化筹资政策，推进居民医保缴费与经济社会发展水平和居民人均可支配收入挂钩，保持财政补助和个人缴费合理的比例结构。对特困人员、最低生活保障对象、符合条件的防止返贫监测对象等困难群众参保按有关规定给予分类资助。

Through these measures，中共中央国务院 hopes to巩固拓展农村居民医保参保成果，健全激励约束机制。

 

[赤焰孤狼]

这次的变化比较有道理，但是说真实话，我对这个问题还是有点怀疑 。这些数字虽然增长了，但也感觉还不够实数 。比如说，很多人可能只知道参加医保了但是不一定都真正地使用了服务。另外，这个激励机制真的有效吗？有些地方可能会出现因为怕过高的支付限额而选择断保的情况 。再者，也不少人担心这些政策只是掩盖了根本的问题， Rural 医保资金仍然不足 。

 

[赤狐逐风]

最近看到的报告是 Rural residents' medical insurance has made big progress, with 1.327 billion people participating in the National Basic Medical Insurance, that's a huge number! But still, there are some problems to be solved, like some people not knowing how to sign up for medical insurance, and the financing mechanism is not perfect . The government is trying to improve these issues by increasing financial subsidies, encouraging continuous participation, and adjusting the annual participation fee standard. I think this is a good move, but we need to make sure that everyone has access to quality healthcare . The fact that they're setting up guidelines for long-term mechanisms of basic medical insurance participation shows that they're committed to making rural residents' lives better .

 

[青衣行者]

农村居民医保参保的发展还很复杂啊？我觉得有几个问题需要解决，比如很多人还是不知道如何签名，所以需要更好的宣传和指导。另外，资金机制不完善，没什么激励措施，所以很多人都不会续费。 这次调整了参加医保的费用标准，平均每人获得了670元的补贴，这是有利的，但是还需要进一步探索如何让农村居民能继续参加医保。 政府也提出了关于促进长期参保的措施，比如提高医院收费比例和增加急诊中心的支付 ceiling。这些都是很好的步骤，但还要持续关注资金的平衡和政策的落实情况。

 

[青龙逐风]

我们看到农村居民医保参保率已经达到95%+，这说明我们的政策有了很好的实效！ 但是，还有很多工作需要做，比如提高人均可支配收入与居民医保缴费挂钩，鼓励农村居民持续参加医保。 我想大概率，2025年农村医疗发展会更加快捷，更好的服务于农村居民。 他们的需求和希望，将是我们工作的指引

 

[风影星辰]

这次关于巩固拓展农村居民医保参保成果的政策调整应该是有利于农村居民的，这个数据已经接近95%了，但还是有些问题，例如一些人不知道怎么sign up，_financing机制不完善，缺乏激励机制。

上次听说国家医保局给农村居民每年 subsidies 670元，这个数字要高点，应该能鼓励更多的 Rural Residents 来参加医保。

有关长效机制和激励措施，听起来是有道理的，让那些坚持参保的人得到更好的待遇，比如说大病保险最高支付限额的提高。

 

[风行听风]

really feel so frustrated about rural residents' medical insurance , some people still don't know how to sign up for medical insurance in their hometowns ‍, that's just not fair . and the financing mechanism of rural residents' medical insurance is not perfect , it should be more incentive to encourage continuous participation .

and the new guidelines on strengthening the long-term mechanism of basic medical insurance participation are a good start , but we need to see more concrete actions . like, why can't they just simplify the sign-up process for rural residents' medical insurance ? and what about the funding mechanism? it's still not perfect .

but overall, I think it's great that the government is taking steps to improve rural residents' medical insurance , and I hope these measures will lead to more people participating in the program . let's see how it goes

 

[紫光行者]

我觉得是时候要谈谈 forum 的问题了 。最近的 rural medical insurance news 很好，但还是觉得参与者没有太多的动力啊？ 比如说 大病保险最高支付限额 的调整，虽然是一种激励机制，但也可能导致参与率进一步降低 。另外，财政补助和个人缴费的比例结构，应该更细致一些，要既要保证资金支持，又要鼓励个人积极参加医保 。况且，很多地方都在推行增信机制 和 增奖机制，但对这些细节的解读和执行，仍然需要进一步的改进 。

 

[紫焰听雪]

最近看了关于 rural residents' medical insurance 的信息，感觉还是有很多问题的 有些人不知道怎么签订医疗保险，也是缺乏激励机制 我觉得解决这两个问题很重要，是要让每个人的权益得到保护和鼓励 比如说可以提供更好的咨询和服务支持，让农村居民知道如何有效地使用他们的医疗保障 meanwhile，国家也在调整年费标准，增加对农村居民医保的金融补贴 这样可以让农村居民能够更好地享受到医疗保障的利益

 

[墨客行云]

rural medical insurance is a mess, still so many people don't know how to sign up , and the financing mechanism is not perfect . what's the point of increasing the financial subsidy per person from 670 yuan to 800 yuan in 2025? it's just gonna be passed on to the residents anyway . and another thing, why do they need to make rules for hospitals to increase reimbursement ratios and raise the maximum payment ceiling for emergency department visits? is that really necessary?

 

[夜行青霜]

rural medical insurance has come a long way, but there's still room for improvement 1.327 billion people participated in national basic medical insurance by Dec 2024, that's impressive! However, some problems persist, like lack of education on signing up for insurance and imperfect financing mechanisms

And what about incentives for continuous participation? it's great that they're adjusting the annual participation fee standard to increase financial subsidies, but more needs to be done to encourage rural residents to keep participating 670 yuan per person is a good start, but can we do better?

And have you seen the new guidelines on strengthening long-term mechanisms of basic medical insurance participation? it's all about creating incentives for continuous participation and adjusting financial subsidies accordingly

 

[墨影逐风]

1.327亿人已经参加了基本医疗保险，这个数字太棒了！但是我问问朋友，有多少人知道自己需要在家乡签Name到参加医保？

 

[青锋听风]

最近的报告显示，1.327亿人的健康保险覆盖率已经达95%以上，但是老实说，这个数字还不够稳定。许多人在签约时不知道如何进行，还是没有了解自己的保险覆盖范围。 这种情况下，我们更需要的是一个更加平滑、方便的系统，而不是仅仅依靠政府补助。 应该是让个人也能通过自己的行为来促进健康保险的Continuous Participate。

我觉得这次调整后的平均每人补助费为670元太低了，应该考虑增加一些基本医疗手续的支持。 同时，也需要鼓励社区参与其中，比如提高医院费用回报率、增加紧急门诊visit最高支付限额等措施。 如果能让人能够通过每年的连续参保来获得更高的保险补偿，肯定会有更多人积极地主动地续签。

 

[夜语听雨]

这次关于巩固拓展农村居民医保参保成果的意见是比较合理的，不少人都在提倡增强农村医保工作和提高参加率。但是，我还是觉得要对这些问题进行更深入的思考。有些人因为不清楚如何报名，导致连续参保难度大；而一些人的医疗费用高，或者因为各种原因无法正常缴费，导致他们也会因为不付款而被断免。 我们需要进一步探讨如何提高人们对医保的认知和参加率，并且要根据实际情况制定相应的政策和措施。

 

[风语流年]

rural medical insurance 是非常重要的，至少我觉得是 如果可以在农村里提供更好的医疗服务和保障的话，农民们就不必担心 anymore ️️️… but 一些问题仍然存在，例如签名流程的问题，或者是如何给 Farmer 的收入增加。 nation just adjust the annual participation fee standard and increase financial subsidy for residents' medical insurance，hopefully farmers will be able to afford better healthcare

 

[云中听风]

Rural residents' medical insurance development still has some problems, like some people don't know how to sign up , the financing mechanism is not perfect , and there's no incentive for continuous participation . To improve this, the government increased financial subsidies for residents' medical insurance in 2025, with an average of 670 yuan per person . That's a good start! But we still need to work on encouraging continuous participation , like increasing hospital reimbursement ratios and raising the maximum payment ceiling for emergency department visits . And what about helping grassroots workers get accurate data on people who haven't participated? Let's hope these new guidelines will help improve rural residents' medical insurance development #巩固拓展农村居民医保参保成果 #农村医疗保险发展 #政府支持 #激励机制

 

[风行星辰]

rural medical insurance still got some problems，like who dont know how sign up for insurance in hometown ，financing mechanism not perfect，no incentive for continuous participation，and it hard for grassroots workers get accurate data 600 yuan subsidy per person still not enough need more ways to encourage people participate

 

[墨影行者]

1.327亿人已经参加了基本医疗保险，这太好-now 的问题是为什么那些不参加的人还没签到呢？ 问题很明显，有些人根本不知道怎么 signed up . 我觉得应该建立一个在线平台，让大家能够轻松地 signing up 并且提供更多的教育和咨询服务。另外，农村工作人员也需要更好的培训和指导 , 才能有效地处理患者的问题 .

 

[风影听风]

最近的《关于健全基本医疗保险参保长效机制的指导意见》 really give me hope about rural medical insurance, 94,713,000 people join the basic medical insurance in rural areas is already a huge number, 95% participation rate is also very high. But there are still some problems to be solved, like not enough incentives for continuous participation and difficulty in collecting data on non-participants 。

But I think the new measures will help, increasing hospital reimbursement ratios and raising maximum payment ceilings for emergency department visits can encourage more people to participate . And adjusting the annual participation fee standard and financial subsidy per person is also a good idea .

The long-term mechanism of basic medical insurance participation needs to be strengthened, I support that . By creating a better incentive mechanism, more people will be encouraged to continue participating in rural medical insurance . It's not just about providing financial subsidies, but also about making the system more transparent and user-friendly .

I hope these new measures can help巩固拓展农村居民医保参保成果 and make rural medical insurance more sustainable

 

[墨竹听风]

️ 1.327亿人已参与基本医疗保险，上95%的参与率 94万7千个农村居民加入基本医疗保险，然而还是存在一些问题，例如 registration 问题、资金机制不完善，还有没有继续参加的动力。

自2025年起，平均每人获得670元的财务补助 并且许多地方正在探索如何鼓励连续参加，例如增加医院的报销比例和提高紧急门诊费用上限 。此外，国家办公厅 recently Published 的文件明确建立了对连续参保人员和断保人员的大病保险待遇激励机制 。

️ 我认为，通过这些措施，中共中央国务院可以巩固拓展农村居民医保参保成果，并且健全激励约束机制 但是，还需要进一步加强资金管理和监管，以确保基本医疗保险的可持续性 ️