Regulation Of The Medical Insurance System Reform

Medical insurance as a social cause of improving public health, to promote the field of public health to improve services and management, to promote a comprehensive economic and social coordinated development of outstanding practical significance. Meanwhile, the medical insurance system is not static, but constantly change with the development of the external economic environment, political environment and cultural environment. Modern social and medical security system is state and society in accordance with the law and offer protection to the members of society, the basic medical social security system, it not only for its members of society to share the risk, to provide protection, but also on economic growth, social stability plays a vital role. It can be said, with China’s economic growth, China’s medical insurance system reform process is also accelerated, which in turn will further promote economic development, and build an effective medical security system is not an easy task, it is ainvolved the game of the doctors, hospitals, patients, pharmacies and other multi-stakeholder systems engineering. Today in China,"your doctor" and "difficult" has become a major problem in people’s lives. The so-called "your doctor" refers to the rapid growth of medical costs, hospital to more than people of normal earnings growth; and "see" a problem means that the fairness of the medical services. Attention and the medical insurance system and its reform, and explore the medical security system suited to China’s national conditions and development model and its realization as soon as possible to establish and improve the medical insurance system of universal coverage is an important task before us.We argue that the reason why the reform of the medical insurance system difficulties, the main problem is that the medical insurance system reform related to all aspects of the national economy and social life, the re-adjustment of the distribution of national income, but also goes to the interests of all parties, so the reformthe process is facing many problems and difficulties. The author believes that should the medical security to all members of society, the establishment of a multi-level medical security system, to a variety of basic medical insurance system, the expansion of social health insurance coverage, reflecting the needs of multi-level, as far as the overwhelming majority ofgroups to provide basic medical security. Based on public economics, public goods theory of medical insurance as defined in the subject of public products, the clear goal of the medical insurance system reform is to ensure health for all members of the society as a whole.Through the design of incentives in the hospital management, property rights reform, the optimal ownership arrangements and governance structures, investment strategies, asymmetric information analysis of the issues of personal choices and the impact of institutional arrangements to re-shape the economic performance of the medical insurance agency and sustainable development in the theoretical system. The use of historical analysis, comparative analysis of inductive reasoning, game theory and other medical security system on the world, the history of development and reform process, summed up the common characteristics of the medical security system and the general rule for the development of China’s medical insurance systemprovide experience to draw on. Analysis of induced demand in the market-oriented path from the perspective of public economics and information economics, adverse selection and moral hazard phenomenon of the reasons put forward the need for government intervention in the medical security system, according to China’s social, political andeconomic background, have chosen the path of health care reform-public service path. Ultimately, the construction of the medical security system for the introduction of market mechanisms to manage the public service as a basis for proposed construction of China’s medical insurance system and perfect the system of ideas.