农民参保动机权宜化本质上对新型农村合作医疗的推行将产生负面影响。参保动机权宜化会使参保农民的医疗消费行为边缘化,并导致参保双方福利的损失。农民参保动机权宜化的根源在于农民的收入约束、卫生资源分配差异所带来的医疗服务滞后、农民的传统医疗消费偏好以及一定程度上医保双方默认的动机错位。 The right of peasants to participate in insurance motivation essentially will have a negative impact on the implementation of new-type rural cooperative medical care. The right to insurance motivation will make the insured peasants medical consumer behavior marginalization, and lead to the loss of benefits for both parties. The root causes of farmers ’motivation to participate in insurance are the peasants’ income constraint, the lagging medical service caused by the difference in distribution of health resources, the preference of peasants in traditional medical consumption and to some extent, the default motivation of medical insurance and insurance.