社会保险是我国社会保障的主要载体,医疗保险是社会保险的组成部分,医疗保险具有风险共担和补偿损失两大主要功能,随着社会的发展,医疗保险出现了医疗费用增长迅速和保险基金筹集能力下降的矛盾,文章主要阐述了在医疗保险改革过程中存在的难点及对策。 Social insurance is the main carrier of social security in our country. Medical insurance is an integral part of social insurance. Medical insurance has two main functions of risk sharing and compensation loss. With the development of society, the medical insurance has emerged the rapid growth of medical expenses and insurance funds Raise the contradiction of capacity decline, the article mainly expounds the difficulties and countermeasures in the medical insurance reform process.