商业保险机构经办社会医疗保险可行性分析

The Feasibility Analysis of Commercial Insurance Company Providing Social Medical Insurance Service

政府设立的医保机构经办社会医疗保险业务的主体地位绝对不能轻易改变。国外放开社会医疗保险经办管理的做法是不可取的。美国是最典型的例子,许多商业保险公司承办医疗保险,保险机构之间竞争非常剧烈,在强大的医疗卖方面前难以形成合力,在很大程度上造成美国医疗费用居高不下。我国应该从中汲取教训。商业保险机构经办社会医疗保险业务在有些方面可以探索。

The social medical insurance agencies established by government are in the dominant position, which absolutely should not be changed. It is not desirable to permit all kinds of agencies to provide social medical insurance service. Taking an example, many commercial insurance companies provide medical insurance service in America. The competition among the companies is so fierce that it is hard to form the joint effort to face with the powerful medical service providers, which leads to the expensive medical expenses in America. We should learn from mistakes happened in these countries. It could be explored to permit commercial insurance company to provide some kinds of social medical insurance service in some way.