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不要一個漲價鐵漢,請端出整套改革方案!
2009/08/08 18:54
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衛生署長楊志良新官上任第一天,即毫不客氣地宣布了健保調漲費率的計畫,一個月內即將報院。楊志良敢捅這個馬蜂窩,應該是有備而來;問題在,他得讓民眾看看他對健保的通盤改革方案,才知道他的衝勁值不值得支持。

對於楊志良的態度,外界有兩種不同的反應。一種是認為他缺乏官場經驗,所以一下子衝過了頭,簡直是自殺行為;另一種則是欣賞他的直率,認為他直搗健保問題核心,為人所不敢為,是有擔當的人。直率是台灣官場日益缺乏的品質,值得鼓勵;但勇敢畢竟不同於魯莽,不管楊志良多麼敢衝,也不能不講究溝通。尤其,健保費率牽一髮動全身,所有民眾都被波及,這不是他一個人當「烈士」就能完成的任務。

台灣的健保制度在國際上備受好評,因為它兼含社福意味的保險設計,使得廣大民眾乃至貧弱階層都能受到照拂,這樣的制度當然需要好好珍惜與保養。但不可否認,健保開辦十四年來,制度中一直有許多問題需要克服與改善,卻始終不見成效。這些長年存在的漏洞,不僅造成了健保資源的浪費,也導致受保人權利與義務不均衡、醫病關係變得扭曲,甚至使醫療機構無法正常合理經營。這些問題若不好好整治,將日漸腐蝕健保的根基,使制度難以維繫。

亦即,要維護健保制度的健全,是一個全方位、多面向的工作,必須要多管齊下,杜絕浪費,嚴懲不法,持續追逐效率和公平。否則,若僅知一味訴諸調漲費率來維持收支平衡,只是最怠懶的作法。這點,特別要提醒楊志良:別以為僅憑一時英勇,改革就能一步到位。

健保的長年問題,在此簡單列舉數例:一,多年來,北高等縣市積欠健保補助款達數百億,導致健保財務運轉困難,其中有統籌分配款之爭,有制度合理與否的問題,中央及地方政府均有責任妥速解決。政府把問題拖到現在,卻說要調漲費率才能解決,等於把責任轉嫁給民眾,人們怎麼會服氣?

二,越來越多旅居海外台胞返台接受健保醫療,許多人並未在台納稅,其繳交之健保費用亦多屬低估,這難免對國內長年、定時繳費民眾的權益構成侵犯。其中疏漏的公平性,應該設法補強。此外,包括國內許多「高收入、低繳費」的所謂「林志玲條款」問題,如果不能設法克服,都將使健保局宣稱的「劫富濟貧」變成笑話。

三,各級醫療院所虛報、浮報或利用人頭詐領健保費的情形一直存在,據估計,每年金額高達近百億,這不僅是惡性地「吃健保」,更造成許多正派經營的業者難以競爭,導致劣幣驅逐良幣。對此,健保局應該訂出更有效的規範之道,並窮盡各種手段向偽詐者追討回來。此外,對某些以看病、拿藥為樂的民眾,嚴重浪費健保資源,健保局也應該訂出合理的計費辦法,甚至採取盯人勸導戰術,別讓少數人破壞全民共有的制度。

楊志良不畏艱險的精神,值得欽佩,但他絕不能把事情想得太簡單、太天真。所謂每個月「多花一個便當錢」,就可以解決健保財務困境,聽起來是很動人的口號;但別忘了,不僅所有受薪者要多繳錢,所有企業主的負擔也要相對加重,而現在卻不是個好時機。高官一句話,就要民眾多體諒政府;但人民的苦,政府能說自己又體諒了多少?

其實,這回要能成功拔取鵝毛,楊志良並不需要作出鐵漢姿態,他最好能端出全套改革計畫,好好向全民溝通,爭取大家認同。健保制度並不需要一個烈士來殉身,要有手腕讓民眾甘之如飴繳費才行。


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