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 scenarios | Individual out-of-pocket payment ratio (%) | Current deficit | Accumulated deficit | 2050 accumulated deficit (billion Yuan) | 2050 accumulated deficit change (%) |
| Separate implementation of LTCI (Scenario 2) | 0 | 2022–2050 | 2030–2050 | 34345.74 | — | Implementation of a partial OMAGM | Adjustment of individual out-of-pocket payment ratio of LTCI (Scenario 5) | 10 | 2028–2050 | 2036–2050 | 22958.65 | –33.15 | 20 | 2028–2050 | 2037–2050 | 21156.64 | –38.40 | 30 | 2029–2050 | 2037–2050 | 19326.59 | –43.73 | 50 | 2030–2050 | 2039–2050 | 15684.59 | –54.33 |
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