美国医疗保险为什么“抛弃”在职者

Why the Medical Insurance Abandons Working People in USA.

美国医疗保险领域存在一个令人费解的现象 :老年人、儿童有着相对完善的医疗保险体系 ,而最具生产能力的在职者却成为公共医疗保险 (社会医疗保险 )的“弃儿” ,大量在职人口医疗保险制度的缺乏 ,对美国社会经济造成了显著负面影响 ,并开始引起人们的关注。在分析美国不同年龄段人口医疗保险制度现状的基础上 ,从美国公共医疗保险制度设计、雇主医疗保险制度特点等角度分析美国在职者无医疗保险现象产生的原因及其影响 ,并探讨美国医疗保险未来的发展走向。

There is a strange phenomenon in medical insurance in USA: The old people and children have public medical insurance while the working people with the production capacity becoming abandoned by public medical insurance system (social medical insurance). The shortage of medical insurance in the working people has caused remarkable negative effect on U.S.A.'s social economy.Basing on analyzing the medical insurance system in different ages people,this article will probe the reasons and related results of this problem according to the characteristics of public medical system, the design of employer-provided medical insurance etc. Finally we will analyze the innovation trend of medical insurance system in USA.