魏众对江阴市医疗保险制度的分析为我们提供了一个政府和市场有机结合的很好案例。农村医保受制于两方面的约束因素。一方面,医疗保险中存在严重的逆向选择问题。对于不习惯医疗保险的农民来说,这个问题更严重。如果纯粹依靠商业保险公司,则参保人数将非常有限,而且参保人群的患病率一定比较高。其结果要么是保险公司维持一个很高的保费,服务于一小部分高收入者,要么是保险赔付难以为续,保险系统崩溃。另一方 Wei Zhong Jiangyin City, the medical insurance system analysis provides us with a government and the market a good example of organic combination. Rural health insurance is subject to two constraints. On the one hand, there is a serious problem of adverse selection in medical insurance. The problem is even worse for farmers who are not accustomed to health insurance. If you rely purely on commercial insurers, the number of insured persons will be very limited, and the prevalence of insured populations must be high. The result either is that insurers maintain a high premium for a small percentage of high-income earners, either because insurance payments are hard to renew and insurance systems collapse. The other party