医保个账“沉睡”资金正在盘活 ，跨省“流转”爆发式增长

Core Insights - The introduction of the medical insurance wallet has significantly improved the flow of personal medical insurance accounts, addressing the issue of "idle funds" in accounts of individuals working away from home while their families face medical expenses [1][6][10] Summary by Sections Medical Insurance Wallet Implementation - All 31 provinces and Xinjiang Production and Construction Corps have launched the medical insurance wallet, with varying coverage across regions [1][6] - The cumulative amount for cross-provincial mutual assistance through the medical insurance wallet increased from over 4 million at the beginning of the year to over 40 million in the first seven months [1][7] Personal Account Fund Growth - The cumulative balance of personal medical insurance accounts reached 1.45 trillion [2][5] - The spending-to-income ratio for personal accounts improved from 81% in 2019 to 96% in 2023, slightly decreasing to 92% in 2024 [2] Cross-Provincial Mutual Assistance - The number of participants in cross-provincial mutual assistance reached 2.31 billion, with a total amount of 304.57 billion from January to July 2025 [1][5] - The rapid growth in cross-provincial mutual assistance is attributed to the medical insurance wallet, which allows for real-time transfers without fees [6][10] Impact on Medical Expenses - The expansion of personal account usage has positively impacted the liquidity of idle funds, effectively reducing the financial burden of medical expenses for families [3][6] - The mutual assistance funds have been utilized primarily for personal medical expenses, with 274.87 billion allocated for medical institution costs and 17.34 billion for retail pharmacy expenses [5] Future Prospects - The cross-provincial mutual assistance is expected to enhance the funding and payment for resident medical insurance, particularly benefiting families with members working in different provinces [10] - The implementation of the medical insurance wallet is anticipated to facilitate better allocation of medical resources and improve healthcare services across regions [10]