本文通过案例研究 ,提出了风险型合作医疗这一新的模式。并运用数学模型 ,确定了风险疾病临界点和风险疾病病种 ,测算了风险型合作医疗资金的筹集比例和报销比例 ,同时测定了一般疾病费用的筹资、报销比例 ,初步探索制定风险型合作医疗方案的方法 ,并对实行风险型合作医疗的必要性、可行性进行了探讨 ,提出了配套政策和相应措施 This article proposes a new model of risk-based cooperative medical care through case studies. Using mathematics models, the risk critical point and risk disease category were determined. The proportion of fund raising and risk reimbursement for risk-based cooperative medical care was calculated. The proportion of funding and reimbursement for general disease costs was also measured, and risk-based cooperative medical care was tentatively explored. The method of the plan discussed the necessity and feasibility of implementing risk-based cooperative medical care, and proposed supporting policies and corresponding measures.