Research Article

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

Table 8

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

Simulation scenariosIndividual out-of-pocket payment ratio (%)Current deficitAccumulated deficit2050 accumulated deficit (billion Yuan)2050 accumulated deficit change (%)

Separate implementation of LTCI (Scenario 2)02022–20502030–205034345.74
Implementation of a partial OMAGMAdjustment of individual out-of-pocket payment ratio of LTCI (Scenario 5)102028–20502036–205022958.65–33.15
202028–20502037–205021156.64–38.40
302029–20502037–205019326.59–43.73
502030–20502039–205015684.59–54.33