医保个人账户跨省共济，将全国推行！

Core Viewpoint - The article discusses the recent announcement by the National Healthcare Security Administration and the Ministry of Finance regarding the optimization of the personal account mutual aid policy for employee basic medical insurance, expanding the mutual aid scope from provincial to national levels, enhancing family support functions [4][5]. Group 1: Background and Rationale - The issuance of the notification aims to improve the mutual aid functionality of employee medical insurance personal accounts, addressing the demand for cross-provincial mutual aid and reducing the financial burden of medical expenses for the public [4]. - Over the past five years, provincial mutual aid has benefited over 780 million people, with a total amount exceeding 100 billion [4]. Group 2: Key Contents of the Notification - The notification specifies that the applicable scope for cross-provincial mutual aid includes the close relatives of insured employees, with mutual aid relationships established voluntarily and automatically dissolved upon changes in the insured person's medical insurance status [5]. - It clarifies the usage of mutual aid funds, which can cover personal medical expenses, payments for urban and rural resident basic medical insurance, and long-term care insurance contributions, while ensuring that mutual aid participants cannot use the same funds for their own accounts [5]. - The management of cross-provincial mutual aid fund clearing will occur monthly, following a unified national clearing process, with dynamic adjustments to fund scales [5]. Group 3: Benefits for the Public - The notification optimizes the personal account mutual aid policy, breaking regional restrictions and enhancing family support, allowing insured individuals to use their accounts for family members' medical expenses across provinces [7]. - This reform is expected to reduce the financial burden of medical expenses for families, improve fund utilization efficiency, and promote a more equitable and sustainable system [7].