“看病贵”“看病难”是老百姓的普遍感受。控制医疗费用的过度上涨和膨胀是非常有必要的。但是要真正控制医疗费用的不必要浪费,需要进行深入的思考,针对可以着手的因素进行解决,这样不管是医疗卫生体制的改革还是医疗保险制度的改革才会是有效率的。本文即是通过医疗费用控制的角度来探讨非理性的因素——道德风险的规避。 “Expensive to see ” “see a doctor difficult ” is the common feeling of common people. It is necessary to control the excessive increase and inflation of medical expenses. But to really control the unnecessary waste of medical expenses, we need to think in depth and tackle the factors that can be tackled so that the reform of the medical and health system or the medical insurance system can be effective. This article is to explore the irrational factor through the control of medical costs - the avoidance of moral hazard.