The Study On The Factors Of W Urban Employee Basic Medical Insurance Expense Control And Influence

In China, the new social health insurance system is being gradually extended nationwide, the new medical insurance system is able to achieve more reasonable costs to provide quality health care services, so as to achieve the goal meet the basic medical needs of the masses, both bearing on the personal interests of the broad masses can be fulfilled, relates to whether the new medical insurance system can run continuously.The basic medical insurance for urban workers is to compensate workers for disease risk suffered economic losses and the establishment of a social security system. The employing unit and individual pay cost, establish fund of medical treatment insurance, the insured ill treatment occurred after the medical expenses, and medical insurance agencies to give a certain amount of economic compensation, in order to avoid or reduce the laborer suffered because of illness, treatment of economic risk.Since the introduction of urban workers’ medical insurance in W city, rising medical costs and more expensive, information asymmetry between the hospitals, patients also leads to the existence of moral hazard. If not tighten controls in W urban employees’medical insurance premiums, health insurance fund will receive arrival situations, this will affect the use of the Fund, sustainable development of the medical insurance system for urban workers will be compromised. Therefore, to curb unreasonable growth of Medicare costs is imperative.This paper, economics, statistics, proceed from the actual situation of medical insurance for urban workers in W, from both the demand side and supply side effects established model of the urban employee medical insurance payouts. According to the model and analysis, combined with typical urban medical insurance expenditure control of foreign and domestic experience, promoting the smooth implementation of the medical insurance system for urban workers, cost containment of medical insurance for urban employees make reasonable recommendation.