我国的公费医疗、劳保医疗大约覆盖全国人口的10％,达1.1亿人。多年来,国家、企事业单位“包得过多”,缺乏约束机制,产生了种种弊端,使各级财政不堪重负。而全国有85％左右的人口,尚得不到较好的医疗保障。中国的医疗保险体制已到了非改革不可的时候了。1991年,国务院在《关于国民经济和社会发展十年规划和第八个五年计划纲要》中明确指示,要“努力推进社会保障体制的改革和改革医疗保障制度”。经过不懈的探索,现已初步形成一种共识,即:医疗保障制度改革的出路是医疗保险。 China’s public health care and labor insurance coverage of about 10% of the country’s population, reaching 110 million people. Over the years, the state, enterprises and institutions have “overcrowded” and lack of restraint mechanisms, which have brought about all kinds of drawbacks that have made the finance at all levels overwhelmed. However, about 85% of the population in the country still can not get better medical security. China’s medical insurance system has reached an age of non-reform. In 1991, the State Council explicitly indicated in its “Outline for the Decade of National Economic and Social Development and the Eighth Five-Year Plan” that it is necessary to “strive to promote the reform of the social security system and reform the medical security system.” After unremitting exploration, it has initially formed a consensus that the way out of the medical insurance system reform is medical insurance.