【摘要】 为了适应社会主义市场经济体制改革的需要,我国进行了一系列医疗保障制度改革,初步建立了保障职工基本医疗需求的社会医疗保险制度。但由于社会医疗保险制度的特点是“低水平、广覆盖”,其提供的保障程度和范围都很有限,因而远远不能满足不同类型企业、不同层次雇员的要求。美国的做法是依靠雇主(而非政府或个人)自愿为大多数人提供健康保险计划,它不仅减轻了政府的压力,同时也使企业和个人从中受益,其做法很值得借鉴。更多还原

【Abstract】 In order to adopt the socialist market economic system, a series of medical system reforms have been carrying out in China. The basic social medical insurance system which protects needs of employees has been primarily established. But it can not meet higher needs of different types enterprises and employees because the characteristics of this system is "low level, broad coverage" , that means the protection is limited.The United States relies on employers to do voluntarily what most other governments either do themselves or require private parties to do: provide health insurance for most of the population. It not only relieves of government pressure, but also benefits enterprises and employees. So the employment-based health plan system in America should be used for reference for China.更多还原