The Group Health Insurance In U.S.A And It's Enlightment In China

After 100 years of development, the United States of group health insurance has become the one of the three pillars in medical security system, and bears the responsibility of the majority of population in the United States for health insurance. In the United States, group health insurance has been more tax exempted. Enterprises and members of groups recognized importance of protection of health in avoiding health risk. Group health insurance laws and regulations related to defines a large extent both groups and members to fulfill payment obligations of the responsibility also protects enterprise members enjoy more health insurance rights. The United States group health insurance plans coming from two Blues plan, commercial insurance companies and managed care organizations provide insurance products. Health insurance programs vary according to the needs of the insured groups.In this paper, based on China's national conditions for the commercial from the United States implementation of the medical insurance model the successful experience of China's enterprises to improve the supplementary medical insurance system as a number of constructive suggestions that the development of managed care system, medical insurance institutions and medical service providers united, and insurance operators raise the professional level of service, according to the insured groups requirements for the most suitable group health insurance plan and make group insurance services flexibility ,and it is also necessary for the state to tax and financial support in the policy environment, while enterprises should also see that the purchase of group health staff insurance is a good way for avoiding risks for their corporations.