如今,我国医疗保险事业迅猛发展,人们对其关注度也不断提升。对于医疗保险市场而言风险处处存在,道德风险则为主要风险之一,能够导致医疗费用不平衡增长,及医疗资源的过度消耗。从总体来说,道德风险引发原因有很多,如患者消费观念科学性差、医疗制度完善性缺乏、医疗机构垄断性强等。基于此,笔者对于医疗保险市场存在的道德风险进行总结,并就相关方法措施展开探讨。 Today, the rapid development of China’s medical insurance cause people’s concern about it is also rising. Risk exists everywhere in the medical insurance market, and moral hazard is one of the major risks that can lead to an imbalanced increase in medical costs and excessive consumption of medical resources. In general, there are many reasons for moral hazard, such as the scientific concept of consumer spending is poor, the lack of sound medical system, the monopoly of medical institutions and so on. Based on this, the author summarizes the moral hazard existing in the medical insurance market and discusses the related methods and measures.