『高齢者医療費』を取り巻く、時代の変化の必然。

今日のテーマは、『高齢者医療費を取り巻く、時代の変化の必然』です。

 

 

昨日の公式ブログでは、

 

 

『足下で密かに囁かれる、消費税:段階的増税論』と題して、

今回導入の『消費増税』において、日本の財政健全化が困難な事をご紹介しました。

 

 

少しだけ振り返ると、

 

 

経済の『循環スピード』が減速しないという仮定の上で、

今回の『消費増税』により、増額する税収は『年間6〜7兆円』程度です。

 

 

ご存知の方もいらっしゃるでしょうが、

 

 

2019年現在、日本国の一般会計予算は『年間100兆円』を超えており、

それに対して、歳入である税収は『年間60兆円』程度を推移しています。

 

 

つまり、

 

 

上記を差し引きした場合、『年間40兆円』ペースの債務超過であり、

それは、税収が『6〜7兆円』程度増えても、『黒字化』には至りません。

 

 

また、

 

 

今回の『消費増税』に伴い、政府は同等額の『景気底上げ策』を講じていますから、

税収増額分が、そのまま『マイナス分』の補填に回されるという事も、残念ながら無い。

 

 

更に、

 

 

現行のまま推移していくと、今後、『歳出』は増大傾向にあるので、

『消費増税』は、ここですトプではなく、将来的にも上昇し続けると考える方が自然。

 

 

それでも、

 

 

日本国の『財政健全化』が実行されるかどうかは疑問で、

常識的な感覚で考えれば、それは『実現し得ない』と考える見方が強まります。

 

 

前述、

 

 

『歳出は今後も増大し続ける』旨、ご紹介させて頂きましたが、

その理由は、昨日の記事中でも少し触れた『社会保障費』の問題です。

 

 

幸か不幸か、

 

 

世界に類を見ないほど、厚遇の『社会保障』に守られた日本国民ですが、

それを維持しようとすると、ここから天文学的な加速度で歳出は増大し、

『日本国』は、簡単に『デフォルト』に陥ってしまいます。

 

 

特に、

 

 

『団塊の世代』の言葉で表現される方々の第一陣が『後期高齢者』となる、

『2022年』という年は、1つのエポック・ポイントになるのでは無いでしょうか。

 

 

これについて、

 

 

日本経団連、経済同友会、日本商工会議所の3団体は、

先日、自民党で開催された『人生100年時代戦略本部』において、

高齢者医療の自己負担引き上げ等、社会保障改革案を提言しました。

 

 

具体的には、

 

 

現行『1割』に制限されている後期高齢者(*)の自己負担割合を『2割』にする事や、

医療機関を受診するすべての患者から『一律定額負担料』を徴収する制度の導入等です。

(*後期高齢者:75歳以上。)

 

 

また、

 

 

OTC市販薬で代替可能な薬剤の保険適応から除外するよう求めている他、

『介護保険』についても、『自己負担2割』の対象者拡大の内容も盛り込みました。

 

 

確かに、

 

 

これらの提案が実現すれば、これまで、手厚い保障に守られていた方々が、

『公的社会保障サービス』を利用する際の、『自己負担額』が増大します。

 

 

こちらの方が、より『ダイレクト』に響く為、

今回始動した『消費増税』より、該当者のインパクトは大きいですよね。

 

 

当然、

 

 

これらの『提言』を『実現』にもって行くためには『反発』が伴いますが、

それらを凌駕して『断行』しなければ、日本国は『財政健全化』を為し得ません。

 

 

昨日も少しだけ触れましたが、

 

 

前述ポイントに挙げた『2022年』という年は、『社会保障費(給付)』が、

現高水準から『1.6倍』にも増大した『年間190兆円』掛かると言われています。

 

 

むしろ、

 

 

その状況において、『社会保障費改革』を行わない方がもはや『異常』であり、

上記『提言』の『実現』は、今後の流れを考えると『必然』のように感じます。

 

 

ただ、

 

 

これには、『社会保障費(給付)』が削減される該当者の方々に加えて、

日本の政治を考える上で、多大な権力を持つ『日本医師会』からの反発も必至です。

 

 

皆さん、それぞれ『自分の立場』ばかり考えて議論を展開されますが、

『日本国』と『将来』を考えた際、『正解』は何であるかは自明のように思います。

 

 

過去の公式ブログでも述べましたが、『変遷期』には『痛み』が必ず伴います。

 

 

それを理解し、受け入れた上で、国民一人一人が、

『日本国』の将来を考えながら、『正解』を選択していけたらと考えます。

 

 

『金融リテラシーを高めて、具体的に資産形成をしたい!』という方に最適なセミナーを、

今月は、『10月29日(火)19:00から』の日程で、大阪・梅田にて開催致します。

 

 

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『具体的なアクション』を起こすことでのみ、

人生は、本当に好転していくものだと思います。

 

 

ぜひ勇気を持って、新たな一歩を踏み出してみてください。

皆さんに、直接お会い出来るのを楽しみにしております。

 

 

セミナーを受講する間でもなく、

 

 

『今すぐ、具体的に資産形成をスタートしたい!』という方は、

ぜひ勇気を持って『お金のセッション』を受講してみてください。

 

 

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代表 井上耕太

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  • ABOUTこの記事をかいた人

    井上 耕太

    ・1984年4月21日生まれ。
     岡山県津山市 出身。国立 神戸大学 卒業。

    •『人生を変えるお金のセッション』★
     海外投資を活用した、セミリタイアライフプランを提供します。

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       1級ファイナンシャルプランニング技能士(国家資格)

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