关于城镇医疗保险制度改革问题探析

日益高涨的医疗费用问题,医疗保险制度实施过程中的公平欠缺与效率低下等问题日益困扰着我国的医疗保险制度的发展。这是由于医疗保险的特殊性所决定的,由于医疗保险所面临的道德风险和逆向选择远远高于其他形式的保险,所以如何设计一套合理的制度将它们控制在合理的范围内,使医疗保险不至于陷入危机之中而濒临崩溃,一直是医疗保险制度设计的目标。

Grows to ever greater heights the medical expense question, in the system of medical care insurance implementation process is short of lowly fairly with the efficiency and so on questions is puzzling our country's system of medical care insurance's development day by day. This is because medical insurance's particularity decides, because the medical insurance faces the moral hazard and the reversion choice are higher than other forms by far the insurance, therefore how to design set of reasonable systems to control them in the reasonable scope, causes the medical insurance in not to beset with a crisis to to border on the collapse, has been the system of medical care insurance design goal.