文档介绍：摘 要
经过十四年的改革，我国的社会医疗保险制度取得了很多阶段性的成果，
可与此同时也暴露了不少问题，“看病难，看病贵”就是目前社会各界普遍关注
的话题。目前，虽然城镇职工和农村人口都已经建立起相应的医疗保险制度，
但仍有广大城镇居民如老人、在校学生、儿童等群体还没有统一 的制度安排，
这种情况自然不能体现社会的公平和正义。“人无远虑，必有近忧”，如果对潜
在的制度性缺陷及风险问题不及时加以研究和解决，那么我国基本医疗保障制
度的可持续发展很难说是坚固的。
因此，为了达到 2010 年要实现人人享受基本医疗卫生保健，到 2020 年基
本建立起覆盖城乡的社会保障体系这一目标，我国政府部门专门针对目前医疗
保障体制外人群制定了《城镇居民基本医疗保险制度试点方案》。而事实上，在
方案启动之前就已经有不少的城市开始大胆地对于这一制度进行尝试和改革，
本论文就是选取了这批试点城市中具有代表性的郑州市为例，通过对它的制度
方案在设计理念、基金筹集、报销比例和实施效果等方面的简单比较分析以及
抽样调查得到的结果统计，得出笔者对于城镇居民医疗保险制度，以及由三驾
马车所构成的全民医保框架的思考意见。
主题词：全民医保 郑州市 城镇居民医疗保险制度
I
Abstract
Through the 14 years’ reform, our country’s social medical insurance had got many
achievements; meanwhile it also exposed many problems. Nowadays, difficulty and
high expenses of medical treatment are hot social issues in China. Although the
urban workers and the rural people have their own medical insurance system, there
are still many urban residents such as the elderly, the students and the children have
not the protection of any medical insurance system. This condition obversely can’t
reflect the fairness and justice of the social. As the old saying ‘if you don't make plan
for the future, you will have trouble soon’, if we don’t immediately research and
resolve the faults and risk of the whole medical insurance system, the Sustainable
Development of our system will not be a solid system.
So, in order to achieve the goal that every one will have the basic health production
in 2010, and our country will build the social security system covering the urban and
rural, our government has made ‘The urban residents medical insurance program’.
However, before the program has been launched, there are many cities has started
this reform. This paper picked Zhengzhou which is the typical city of this reform as
the research goal, through the sim