黄梅县占村采取的是风险型合作医疗模式,即采取保大病不保小病的模式。通过调查,笔者了解到占村新型农村合作医疗的现状和农民的合作医疗意愿。在了解到农民合作医疗意愿的基础上,笔者提出了构建一个满足农民合理需要的新型农村合作医疗制度。针对占村合作医疗存在的问题,笔者提出了相应的对策与建议。 Occupying the village of Huangmei County takes a risk-based cooperative medical model, that is, to take care of the disease does not protect the disease mode. Through the investigation, I learned about the status quo of the new village cooperative medical care in the village and the farmer’s willingness to cooperate in medical care. On the basis of understanding the willingness of farmer cooperative medical care, the author proposes to set up a new rural cooperative medical care system that meets the reasonable needs of peasants. In view of the problems existing in the village cooperative medical care, the author put forward corresponding countermeasures and suggestions.