医保个账“沉睡”资金正在盘活 ，跨省“流转”爆发式增长

Core Viewpoint - The introduction of the medical insurance wallet is breaking the barriers of fund flow in personal medical accounts, allowing for better utilization of funds and reducing the financial burden on families seeking medical care [4][13]. Summary by Sections Medical Insurance Wallet Implementation - As of July, all 31 provinces and Xinjiang Production and Construction Corps have launched the medical insurance wallet, facilitating cross-province pooling of personal medical account funds, which increased from over 4 million at the beginning of the year to over 40 million in the first seven months [4]. - The medical insurance wallet allows for real-time fund transfers without fees, enhancing the ability to manage medical expenses across regions [13][18]. Personal Account Fund Utilization - The cumulative balance of personal medical accounts reached 1.45 trillion, with the spending-to-income ratio improving from 81% in 2019 to 96% in 2023, slightly decreasing to 92% in 2024 [6][7]. - The expansion of the usage scope of personal accounts has effectively activated previously dormant funds, with 512 billion utilized for family pooling in 2024 [11][8]. Cross-Province Pooling Growth - The amount for cross-province pooling saw explosive growth, with the total transfer amount reaching 4.663 million in the first seven months of 2025, reflecting a significant increase in fund movement [14][12]. - The cross-province pooling allows families to manage medical expenses more flexibly, alleviating financial pressure during high medical costs [15]. Impact on Medical Insurance and Healthcare - The cross-province pooling of personal accounts is expected to enhance the funding and payment for resident medical insurance, potentially increasing the participation rate in basic medical insurance [17]. - The implementation of cross-province pooling is anticipated to promote the rational allocation of medical resources and improve the quality of medical services across different regions [17].