近日根据每日经济新闻报道,有些省份想把目前的城乡基本医疗保险采取市场化的办法交给商业保险公司运营。这已经不是第一次有媒体报道提及“城镇职工基本医疗保险直接由商业保险来办”这一想法。中国的医保正面临极大的困境。一方面是筹资不足,很多地区有严重的历史遗留问题,多发生在过去以国有企业为主的地区,由于产业分布的问题, Recently, according to the daily economic news reports, some provinces want to submit the current urban-rural basic medical insurance to the commercial insurance companies for operation through the market-oriented approach. This is not the first time that media reports have mentioned the idea that “basic medical insurance for urban workers should be handled directly by commercial insurance.” China’s health insurance is facing great difficulties. On the one hand, there is a lack of financing. In many areas, there are serious problems left over by history, which occurred in areas where the state-owned enterprises were the dominant sectors in the past. Due to the distribution of industries,