青岛医改的“三金模式”,是既稳妥又符合实际的模式选择。这一模式的实质是“抓大放小”,即在坚持国家确定的统帐结合的原则下,采取分步到位、用人单位共担风险的方法。 医改的目的是要克服医疗浪费、保障基本医疗。就传统体制而言,职工把公费、劳保医疗看作是国家和企业的大锅饭,不吃白不吃。医改则要让职工有费用意识、自我保障意识,职工个人要负担一定的费用,年轻无病时多积累,年老多病时就可多受益。但职工参保后并不这样想, The “three-gold model” of Qingdao’s medical reform is a mode choice that is both safe and practical. The essence of this model is to “grasp the large and the small”, that is, to adhere to the principle of unified accounting defined by the state, adopt a method that involves step-by-step and employers share the risk. The purpose of medical reform is to overcome medical waste and ensure basic medical care. As far as the traditional system is concerned, employees regard public funding and labor insurance medical care as a big pot of rice for the country and enterprises. Health care reform requires employees to have a sense of cost and self-protection. Workers must pay for a certain amount of money. When young and sick, they can accumulate more, and when they are old and sick, they can benefit more. However, employees did not think so after participating in the insurance.