我国基本医疗保险体系模型中的最优共保率

On the Optimal Coinsurance Rate in the Model of Fundamental Health Insurance System of China

构建了我国基本医疗保险体系的简化模型 ,分析了个人的收入弹性与医疗保险费用公平性之间的关系 ,讨论了基本医疗保险体系中针对所有消费者的最优共保率的确定方法和计算公式 .在确定最优共保率的条件下 ,能有效地解决基本医疗保险体系中的道德风险问题 ,在满足人们分散疾病风险要求的同时 ,减少其对医疗服务的过度使用 。

This paper established a model of fundamental health insurance system in China. Based on the model, it analyzed the relationship between personal income elasticity and health insurance fee, and then discussed the formulation and the method of deciding the optimal coinsurance rate including all consumers. Undoubtedly, this method is helpful in solving moral hazard problems of fundamental health insurance system. In addition, it can meet the need of dispersing the risk of illness, reduce the consumers' overuse of medical service, and control the over growth of medical expenditure.