一、制约我国商业健康保险市场发展的两大因素（一）空间因素的制约我国医疗保险制度改革的框架基本是社会医疗保险、合作医疗保险和商业医疗保险相结合。国务院在《关于卫生改革与发展的决定》中指出：“‘九五’期间要基本建立城镇职工医疗保险制度，积极发展多种形式的... First, restrict the development of China’s commercial health insurance market two major factors (A) the constraints of space constraints China’s medical insurance system reform framework is basically social health insurance, cooperative medical insurance and commercial medical insurance combination. In its “Decision on Health Reform and Development,” the State Council pointed out: "During the Ninth Five-Year Plan, the basic principle of establishing a medical insurance system for urban workers should be established and various forms of development should be actively developed.