Study On The Factors Of Dalian City Urban Employees’ Basic Medical Insurance Cost Control

Town worker medical insurance refers to the urban workers in disease occurred after the purchase of health insurance, the medical service visits according to the provisions of the cost of health insurance compensation. Health insurance is an important part of our country’s social security system, to protect urban workers, family economic risks play an irreplaceable role. Our country started health care reform since 1998 our country after years of efforts to set up this security system covering both conurbation and countryinhabitants, remedy level has improved to a certain extent, "a doctor difficult, expensive" also had a certain degree of solution. However, due to the medical insurance of suppliers’ pursuit of self-interest maximization, the medical insurance system is not mature enough and other factors, rapidly growing medical expenses is still not reasonable and effective control, high-speed growth of medical costs or even more than the GDP and per capita income growth, control the medical insurance expenses too fast growth is essential.In Dalian since the practice of medical insurance for urban workers, medical expenditures have been rising phenomenon, medical service suppliers and demanders of information asymmetry between the led directly to the existence of moral hazard, so be sure to take measures to strengthen cost control for urban employees’ medical insurance in Da Lian, otherwise is likely to have health insurance funds do not cover the closed condition, which affects the use of funds. Based on the law of large number theory, moral hazard theory and medical insurance of the supply and demand theory of medical insurance for urban workers is expounded the theoretical basis of cost control mechanism, but also to the costs of medical insurance related theory are analyzed, and starting from the actual situation of dalian city of medical insurance for urban workers, from the demand side and supply side effects town worker is basic medical treatment insurance cost model, points out that the influence of medical insurance for urban workers in dalian cost is pointed out that the influence of factors, and nearly ten years in Da Lian medical insurance statistics model is pointed out that the data acquisition. Through the analysis of the means of foreign medical insurance expenses control, combining the situation of medical insurance system running in dalian, proposed for controlling the excessively rapid increasing of the medical insurance cost policy Suggestions.