国家医保局会同财政部1月9日发布《关于做好职工基本医疗保险个人账户跨省共济工作的通知》，进一 步优化个人账户共济政策，打破地域限制，强化家庭互助功能，将职工基本医疗保险个人账户共济范围 从省内拓展至全国。 地域范围实现历史性拓展。从省内共济到跨省共济，看似简单的两个字变化，却意味着医保资金可以在 全国范围内自由流动。无论是在北京工作的白领，还是在深圳创业的青年，都可以将自己的医保个人账 户资金用于老家父母等亲人的医疗费用支出。 适用对象更加精准明确。新政策将共济对象明确界定为"近亲属"，包括配偶、父母、子女、兄弟姐妹、 祖父母、外祖父母、孙子女、外孙子女，覆盖了现代家庭的主要成员关系。同时要求被共济人也必须是 基本医保参保对象，确保了政策的精准性和可持续性。 管理机制更加灵活便民。共济关系可自愿建立或解除，一人可与多人建立共济关系，当医保关系发生变 动时自动解除，这些设计充分体现了政策的人性化和便利性，避免了"一刀切"带来的操作困难。 从这些变化中可以看出，异地务工人员、异地养老老年人、跨地区就读学生、分散居住的家庭成员等群 体将是新政的最大受益者。考虑到这些人群规模之大，新政所具有的民生温度不难想象。 随着 ...

Group 1 - The core viewpoint of the articles emphasizes the positive impact of the National Medical Insurance Administration's discussions on the medical device industry, promoting high-quality development through principles like "anti-involution," overseas expansion, and differentiated innovation [1] - The collection prices for medical devices are expected to stabilize and improve company profitability, while policies will stimulate innovation and research and development (R&D) in the medical device sector, leading to new product launches and growth opportunities [1] - The Chinese pharmaceutical market is undergoing a phase of increasing concentration, with mergers and acquisitions expected to accelerate, indicating a shift towards a more consolidated market structure [1] Group 2 - The medical ETF (159828) tracks the CSI Medical Index (399989), which includes listed companies in medical devices, medical services, pharmaceutical commerce, and biopharmaceuticals, reflecting the overall performance of the medical industry [1] - The index is growth-oriented, suitable for investors interested in the long-term growth potential of the healthcare sector [1]