农民工是一类特殊的群体,国家也越来越重视他们的医疗保障。依据农民工医疗保障的现状及其原因,应该为农民工的医疗保障建立统筹账户和个人账户,其中个人账户的用途要有所扩展,并对他们进行分类保障。同时,应该建立农民工医疗救助体系,并使商业健康保险成为农民工医疗保障的有效补充形式。 Migrant workers are a special kind of group, and the state is paying more and more attention to their medical insurance. According to the status quo and reasons of migrant workers’ medical insurance, an overall account and a personal account should be set up for the medical insurance for migrant workers. The purpose of personal accounts should be expanded and categorized and guaranteed. At the same time, we should establish a medical aid system for migrant workers and make commercial health insurance an effective supplement to migrant workers’ medical insurance.