Currently, the world's major health insurance models are national health insurance model, social health insurance model, savings health insurance model and commercial health insurance model. The financing model of national health insurance is dominated by national tax; the compensation and treatment of the savings health insurance model is obviously targeted and hierarchical, and the difference in payment and treatment is its obvious characteristic; the medical expenditure of commercial health insurance is relatively high, but at the same time, the demand satisfaction ability is much higher than other health insurance models. China's urban workers medical insurance fund source of social insurance premiums, supplemented by government subsidies.
Urban and rural residents' medical insurance is a combination of family contributions and government subsidies, with government subsidies as the main source. According to the mandate of healthcare reform, China's health insurance coverage continues to improve. By the end of 2019, a cumulative total of 1.354 billion people in China will be included in the basic urban medical insurance, and the national health insurance coverage rate will rapidly increase from 32.3% in 2010 to 96.7% at present, basically covering the whole population, becoming the core payment body, and playing a dominant role in the medical system. With the promotion of China's medical insurance policy and people's increasing attention to health, China's medical insurance revenue and expenditure continues to grow.
With the aging of China's population, the rise of the consumption index, the application of high-consumption goods and high-cost medical treatment, medical insurance is facing new challenges. The emergence of various high-priced imported drugs tests the security and sustainability of the medical insurance system. Market regulation and health insurance policies should be implemented according to uniform standards to create a level playing field for public and non-public medical institutions. Health departments, which are responsible for regulating the medical services market, should treat public and private hospitals equally and enable public and private hospitals to compete on an equal footing, especially in the area of technical evaluation, such as title evaluation. Reduce price controls on basic medical services, give hospitals more autonomy, and reduce distortions in the medical services market.
At present, there are many debates about the reform of medical insurance and health care system. Secondly, there are two different ways of measuring the effective supply gap of medical services in the next step; thirdly, there are different ways of measuring the effective supply gap of medical services in the next step, and fourthly, there are different perceptions of the socialization of the basic medical insurance and the socialization of the commercial medical insurance, and there are different views on their own positioning and the next step of development. We can let different places try different ways to solve the above problems, with moderate competition and optimized convergence between regions. At the same time, the central government can coordinate cross-regional settlement of medical insurance to meet the needs of residents in different places.