完善养老保险和医疗保险的社会政策探讨

社会保险覆盖范围要扩大，养老基金的财政补贴要提前，推迟退休年龄的时机要适当，医疗保险基金要划出一小部分用于预防，要建立单住补贴医疗费用调剂基金，要发展补充医疗保险，个人所得税的起征点要适当下移，要尽快建立社会保险基金的民间监督组织。

Discussion on improving social policies on old-age insurance and medical insurance

The range of social insurance should be expanded.The financial allowance for old age pension should be supplied in advance.The retirement age should be postponed to a proper occasion.A small part of medical insurance should be used as a protective measure.The redistributed fund subsidized by the unit for medical insurance should be established,and the medical insurance should be developed and complemented.The starting point of collecting personal income tax should appropriately decline.A non governmental organization should be established as early as possible to investigate the social insurance fund.