Study On Universal Health Care Affect The Selection And Medical Expenses For Medical Treatment Of Patients

With the development of China’s economy, China’s health care has made great progress, the basic medical insurance has been basically achieved universal coverage. Although the health care system has reduced the patient’s expense ratio, but at the same time the patient pays the cost is rising fast, resulting in the patient’s medical burden has been increasing, which is contrary to the government’s original intention to vigorously promote the medical insurance system. In this paper, on the premise of universal health care, with the proportion of Medicare reimbursement for the main entry point, by constructing a dynamic game model to analyze the interaction of the parties involved in the medical service market.First of all, this paper analyzes the mechanism of medical insurance increase the burden of patient care through dynamic game model, it is found that the unreasonable proportion and incomplete medical insurance system has led to the rapid growth of medical costs. At the same time, the service quality gap on the lower level hospital also led to the rise of medical expenses in a certain extent. Then the behavior of doctors and patients are analyzed, found that under the condition of national health insurance medical insurance increase the welfare of the patient, but the impact on physicians need to depend on the specific circumstances; finally, according to the analysis we give some related policy and suggestion.Through the analysis we found that in the universal health care conditions, should be rational use the medical insurance to improve the classification of medical system in our country. And guide the patients to make the right choice in order to scientifically bypass the patients so that the health insurance can provide the better service for patients, reduce the burden of patients and improve social welfare at the same time.