以经济学为基础研究医疗保险制度

An inquiry into the medical insurance program on the basis of economics

我认为经济学为选择医疗资源供给模式提供了优选法和测定均衡状况的2个工具和1个评价医疗体制的标准。论述了医疗费用、品德机遇下的医疗保险需求,提供医疗保险方式3个因素对医疗保险需求影响而带来的启示。对"两江"试行医疗保险制度模式评价认为,该制度优点是强化了费用约束机制,体现了公平合理的原则,抑制了通货膨涨。同时,认为"两江"改革还有不足之处。建议保险基金工资化,总量控制中约束和激励机制应并存,分年龄设计医疗保险模式,以适应社会老龄化趋势。

the author brings up the idea that economics provides two toots,one the optimum selec- tion and the other the equilibrium test.It also offers a yardstick for medical system evaluation.The the- ory is advanced that the medical cost and the medical insurance need provide revealations brought about by three factors which affect the medical insurance need.On evaluating the trial model of medical insur- ance program carried out in'Two Jiangs',it is concluded that the program embodies the principle of fairness and rationality and checks inflation.At the same time,something remains to be done.It is sug- gested that the insurance premium be related to personal wages.As to the control of the total fund,the policy of restraint and stimulation must be practised.The medical insurance model must be graded on age to keep up with the tendency of an aging society.