医疗保险工作事关民生大局,是国家医改工作的重点和社会关注的焦点。但是,由于医疗保险制度本身存在的缺陷和医疗保险市场存在显著的信息不对称等原因滋生的道德风险问题不容忽视。道德风险的存在影响了稀缺医疗资源的合理配置,是 Medical insurance work is related to people’s livelihood, is the focus of national medical reform and social focus. However, the moral hazard arising from the flaws in the medical insurance system itself and the significant information asymmetry in the medical insurance market can not be ignored. The existence of moral hazard has affected the rational allocation of scarce medical resources