Research On Pattern Of Social Medical Insurance System In Shaanxi Province Since China's Reform And Opening-up

Medical insurance system is an important component of the social security system for it is vital to the immediate interests of every individual and reform, development as well as stability. Since the reform and opening up, a series of reforms to social medical insurance system have been conducted by our government. Traditional public health services and Labor insurance medical are paid by nation and units, which caused the adverse selection and moral hazard of medical needs. And the induced demand for medical supplies makes high medical expense, medical insurance system reform still has many issues that must be resolved.The paper studies from the current medical insurance model at home and abroad, summarizing the successful running experience for the domestic and international medical insurance system and studying the game on medical care in Shaanxi Province as well as the reasons for the rise in health care costs. According to the current condition of the national and Shaanxi province, the paper put forward the model selection on the medical insurance system in Shaanxi province and suggestions to perfect the basic medical insurance system.The main contribution and creativity for the paper: 1,analysizing the game on medical care in Shaanxi province, the paper puts forward that it is only in the cooperative game where a Nash equilibrium can be achieved.2,According to the increased number of laid-off workers resulted from the reform of state-owned enterprises in Shaanxi Province, the paper proposes a multi-level system of the medical insurance system so that those laid-off workers who have made contributions to society can share more health insurance from the government thus reducing their financial burdens;3,In the end the paper raises some measures to improve the medical insurance system Shaanxi Province. These measures and suggestions have guiding significance to relevant departments and units.