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From $10 to $400! The "old problem" of medical insurance has not been solved, and I don't really want to buy it!

From $10 to $400! The price of medical insurance continues to rise, but the old problem has not been solved, and I don't really want to buy it!

I estimate that many people have received a text message notification, the medical insurance is at the time of payment again, the centralized payment period is from September to December this year, the medical insurance purchased this time is 2025 medical insurance, and the payment standard per person is 400 yuan, compared with last year, the price has risen again.

In 2003, the annual medical insurance was only 10 yuan, and in 2012, the medical insurance broke through the 100 yuan mark, and in 2024, it will reach 400 yuan, an increase of nearly 40 times in more than 20 years.

From $10 to $400! The "old problem" of medical insurance has not been solved, and I don't really want to buy it!

Of course, when I say this, I don't mean to say that medical insurance can't increase prices, what I really want to say is actually the "old problem" of medical insurance, that is, after buying medical insurance, the problem of difficult and expensive medical treatment has not been effectively solved. For example, in 2003, it cost a few dollars to treat a cold, but now, if it is in a hospital, then the process of seeing a doctor and taking medicine will cost almost two or three hundred, and sometimes even more.

I know that at this time, there must be people who want to say that it is because of inflation, so it seems that the cost of medical treatment is higher, but in fact, this statement is not true. First of all, the speed of domestic inflation is far lower than the growth rate of medical expenses, the difference in purchasing power between 10 yuan in 2003 and 10 yuan in 2024 will not exceed 3 times, but the same cost of seeing a doctor, or take a cold as an example, a few dollars in 2003 can be done, but in 2024 it will cost hundreds of yuan, which is obviously abnormal.

From $10 to $400! The "old problem" of medical insurance has not been solved, and I don't really want to buy it!

So why is this happening? The reason is also very simple, it is excessive medical problems. Now when you go to the hospital to see a cold, even if the doctor knows that you just have a cold, he will ask you to go for various examinations, even take films, and finally prescribe some medicine for you, and it will also be mixed with some medicine that is not painful or itchy, the purpose is naturally to make a little more money from the patient.

So why is this chaos happening? Quite simply, because regulation is not in place. In the period when there is no medical insurance, because there is no reimbursement, the hospital does not dare to over-treat, otherwise ordinary people will not even look down on a cold, but since there is medical insurance, because there is medical insurance, so the hospital will completely let go of itself, coupled with the lack of supervision, this will be more and more expensive to see a doctor.

In addition to the high cost of medical treatment, the abuse of money from medical insurance funds is also becoming more and more common. Many hospitals, together with some intermediaries, will find some "fake patients" to treat diseases, and then prescribe various tests and treatment drugs, and make a profit. On September 23 this year, Wuxi Hongqiao Hospital was found to have used 22.284 million medical insurance funds in violation of laws and regulations, and has been ordered to rectify.

From $10 to $400! The "old problem" of medical insurance has not been solved, and I don't really want to buy it!

On the one hand, the cost of medical insurance is rising every year, but the cost of medical treatment has not decreased, but has increased. On the other hand, the medical insurance fund is frequently "cheated" by some people, and it may even lead to the collapse of the medical insurance fund system. To put it bluntly, if the "old problem" of medical insurance is not corrected, the more ordinary people buy medical insurance, the more expensive it will be to see a doctor, which has deviated from the original intention of the establishment of medical insurance.

In addition, the price increase of medical insurance is indeed too large, it is not easy for everyone these years, 400 yuan does not seem to be much, but the problem is that many single-child families, the monthly salary may be about 5000 yuan, they not only have to support themselves, but also have to support their parents, the pressure is already very great, at this time they have to pay 800 yuan more to their parents and even grandparents to buy medical insurance, the pressure can be imagined. Therefore, I think that the most important thing for the top management to do now is to effectively solve the problem of expensive medical treatment, so that ordinary people can see the value of medical insurance, otherwise, the more the price increases, the more people will abandon the insurance.