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

Table 9

Operation of SPAs under the complete OMAGM (adjustment of individual out-of-pocket payment ratio for 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 complete OMAGM	Adjustment of individual out-of-pocket payment ratio of LTCI (Scenario 6)	10	2033–2050	2043–2050	12608.49	–63.29
		20	2034–2050	2044–2050	10725.97	–68.77
		30	2034–2050	2045–2050	9069.37	–73.59
		50	2036–2050	2048–2050	5082.51	–85.20