The Experience Of The Development Of Commercial Health Insurance In The U.S. And The Inspiration To China

At present, China has established the social medical insurance system,which is mainly made of the basic medical insurance for urban workers,the basic medical insurance for urban residents and the new rural cooperative medical care.At the end of2011,more than1.3billion people have taken part in different kinds of social medical insurance system, coverage rate as high as95%.This wide coverage of social health insurance system has low level of protection and can not fundamentally solve the problems that seeing a doctor is difficult and expensive.In2009,the government has published "Views of the CPC Central Committee and the State Council on reinforcing reforms of medical and health system",which says"actively develop commercial health insurance, commercial insurance agencies are encouraged to develop health insurance products to adapt to the different needs and meet a variety of health needs."Both from market opportunities or policy environment, commercial health insurance should have a broad space for development.However,the development is not satisfactory.The pace of growth in premium income is very slow and the insurance consumers are not satisfied with the health insurance.The United States is the most developed country in commercial health insurance in the world.Commercial health insurance plays a significantly indispensable role in American medical insurance system.After years of development, it has accumulated rich experience in business management, government regulation and so on.In view of commercial health insurance development dilemma in China, to analyze and summarize the development experience of commercial health insurance in the United States, has important practical significance to help China better and faster develop commercial health insurance market. This article is from this perspective, in-depth analysis of the development of commercial health insurance management experience, supervision experience and Obama’s influence in the U.S.Finally based on the difficulties that China’s commercial health insurance faces, learning from the successful experience of commercial health insurance in the U.S., I put forward some countermeasures to promote commercial health insurance development in China.The unique features and innovations of this paper include:firstly,it is a comprehensive summary of the successful experience in management and insurance regulation whose core is to protect the insured interests of health insurance in the U.S.The perspective of the research is innovative.Secondly,when it comes to the development experience of health insurance in the U.S,not only just simply list the successful experience,but pay attention to make comparisons between China and the U.S. as well.The purpose is to better develop commercial health insurance market in China through comparisons and references.