目前,我国医保制度的模式主要有两种,一种是以九江、镇江为代表的通道式(个人账户和自付段用完可继续使用社会统筹),另一种是以海南为代表的板块式(个人账户与社会统筹分块运作,个人账户只看门诊,社会统筹只管住院)。这两种模式各有特色,也有各自的不足之处。关于通道式医保模式。在试点初期,对费用支出有一定的遏制作用,后 At present, there are two main modes of the medical insurance system in China. One is the channel type represented by Jiujiang and Zhenjiang (the individual accounts and self-paid segments are used up and the social pooling can continue to be used), and the other is the plate represented by Hainan. Type (individual accounts and social co-ordination work in blocks, individual accounts only look out of the clinic, social pooling only in hospital). These two modes have their own characteristics and also have their own inadequacies. About channel health insurance model. In the initial stage of the pilot project, there was a certain amount of deterrent effect on expenditures.