Application of Smart Healthcare in LTCI, Outpatient Mutual-Aid Guarantee Mechanism, and Sustainability of Medical Insurance Fund for Urban Employees

Table 6

Operation of SPAs under LTCI (adjustment of individual out-of-pocket payment ratio).

Simulation scenarios	Individual out-of-pocket payment ratio (%)	Current deficit time	Accumulated deficit time	2050 accumulated deficit (billion yuan)	2050 accumulated deficit change (%)
SPAs bear the expenditures of LTCI (Scenario 2)	0	2022–2050	2030–2050	34345.74	—
Individuals bear part of the expenditures of LTCI (Scenario 3)	10	2022–2050	2030–2050	32552.83	–5.22
	20	2022–2050	2031–2050	30655.62	–10.74
	30	2023–2050	2031–2050	28949.20	–15.71
	50	2023–2050	2032–2050	25361.33	–26.16
Individuals bear the expenditures of LTCI (Scenario 1)	100	2026–2050	2036–2050	16323.63	–52.47

Note. The magnitude of change is compared to Scenario 2, the same below.