我国政府介入医疗保险地政策研究.pdfVIP

政策研究 　我国政府介入医疗保险的政策研究 我国政府介入医疗保险的政策研究 刘慧侠 ,赵守国 (西北大学 　经济管理学院 ,陕西 　西安 7 10069) 摘要 :在社会保险的三大险种即养老保险、失业保险和医疗保险中 ,医疗保险是保障范围最广 、保险内容最多以 及运行机制最为复杂的社会保障项 目。虽然各国医疗保险制度有所不同、形式多样 ,但政府都不同程度地介入 以弥补市场缺陷 。本文论述了政府介入医疗保险的理论依据和政策 目标 ,分析了我国现行医疗保险制度存在 的突出问题并给出了相应的政策选择 。 关键词 :政府 ;医疗保险 ;医疗筹资 ;医疗服务 ;道德风险 ;逆向选择 中图分类号 :F840 684 　文献标识码 :A 　文章编号 : 1002 - 9753 (2004) 11 - 00 15 - 08 Theoretical Analysis on Government Intervention in Health Insurance System and the Pol icy Options in China L IU Hui - xia , ZHAO Shou - guo ( S chool of Econom ics an d M anagement , N ort hw es t University , X i ’an 7 10069 , China) Abstract : The Social Insurance System includes t hree coverages : p ension insurance , unemployment insurance and healt h insurance , in which t he healt h insurance system is t he most complicated social security program wit h t he widest coverage , t he richest content s and t he most complex op erating system . Different countries are varied in t he insurance system organizing and modeling , but t he government intervention is necessary for each system to adj ust and make up t he market failures. In t his p ap er t he aut hors analyze t he t heoretical backgrounds and t he obj ectives of t he government intervention in healt h insurance system . Detailed focus is given to t he analysis of t he confronted problems and policy options are put forward for t he existing Chinese healt h insurance system reforming. Key words :government ; healt h insurance ; healt h care financing ; healt h care service ; moral hazard ; adverse selection 　　一 、政府介入医疗保险的理论依据 医疗保健服务所提供的许多产品具有公共产