To build fair society
The existing Social insurance system in Japan originally started from pensions and healthcare of employee of big companies and government offices and developed them to suit so-called a universal coverage of pensions and healthcare system, which all the citizens in the country participate in. As people enlist different systems depending on their work styles and places, the social security system has not been fair for people to bare a premium in the same ratios according to the income. It is necessary to change such a social insurance system to a fair system.
A part of the issues of the social insurance system was revised
One of the bills passed by the current Diet session is “a draft of a proposed law to revise a part of National Health Insurance methods to permit sustainable medical insurance system”. The points of the revision of this bill are as follows.
– Raise the levy celling of the National Health Insurance by 40,000 yen from current 810,000 yen a year in 2015 and will raise it progressively, at the same time to raise the standard pay monthly basis upper limit of the employee’s health insurance to 1,390,000 yen from 1,210,000 yen.
This is a major step forward. I explain below what kind of progress it is from the point of issues over the social insurance system.
The biggest issue of the social insurance system is regressive
The biggest issue of the medical insurance system is that a premium rate is different depending on which insurance system you belong to and so as the benefits. In spite of operation by a compulsory insurance, it is a problem that the social insurance system is very strong in regress characteristics. It is a progress that a standard pay monthly basis of the health insurance was raised to 1,390,000 yen by this revision. However a premium is not taken for amount surpassed it from people having salaries more than monthly basis 1,390,000 yen. There is a significant difference between a tax and a social insurance system as the insurance premium rate is quite low for a person who has high income but the tax is applied to people of all incomes. The National Health Insurance is much more regressive.
The social insurance system is in need of renovation
There is a system of a premium calculated for a fixed amount regardless of the amount of the income in National Health Insurance, so-called a per capita rate and a household rate. On national average, this costs 28,000 yen per household member each and more 27,000 yen per household regardless of the amount of the income. The other day I was consulted from a family, a husband and a wife with four children, that they have had a hard time of being charged of the monthly basis 50,000 yen of National Health Insurance after the husband changed his job. In the first place, the sum to need to pay for a fixed amount, such as a per capita rate and a household rate, by all means 195,000 yen with 28,000 x 6 + 27,000 = 195,000. On the other hand, the celling of income applicable to National Health Insurance is around 10 million yen per year. And as there is a principle to have local people to bear the medical expenses that it costs in the area, the insurance rate to take for an income has been setting at high rate. So that when incomes increase even a little, a premium to bear will make a large increase. The challenge for the system change is to be a radical revision which all people participate in the same pension and health insurance and all people pay a premium depending on their incomes with the same insurance rate. I aim at the fair social construction by doing so.