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在社会保障体系中,医疗保险不同于其他社会保险,有其自身的特殊性,它不仅具有公益性和福利性,还具有供需双方信息不对称、卫生服务需求不确定、医疗需求缺乏弹性和医疗服务供方具有绝对控制权等特点。在这样一个特殊的体系中,政府所扮演的角色具有多重性:既是医疗保险制度模式的设计者、医疗保险的保险人和医疗保险市场的监督者,同时还扮演着医疗保险责任人、医疗服务购买人和医疗保险市场管理员的角色。
In the social security system, medical insurance differs from other social insurance in that it has its own uniqueness. It not only has the characteristics of public welfare and welfare, but also has the information asymmetry between supply and demand, the uncertainty of health service demand, the inelastic medical demand and the medical treatment Service providers have absolute control and other characteristics. In such a special system, the role played by the government is multiplicative: it is both a designer of the medical insurance scheme, an insurer of the medical insurance and an overseer of the medical insurance market, as well as a medical insurance officer, a medical service The role of purchaser and health insurance marketer.