黑龙江省医疗保险制度自启动至今运行平稳,以较低廉的费用,为参保人员提供比较优质的医疗服务,保障了参保职工的基本医疗需求。但还存在着一些问题,参保人员个人负担过重就是其中之一,如何解决好这一问题,关系到医疗制度改革成败。因此,笔者针对如何减轻参保人员个人负担问题对全省部分市(地)进行了探析。 Heilongjiang Province medical insurance system has been running smoothly since its inception, providing relatively high-quality medical services to the insured at a relatively low cost and guaranteeing the basic medical needs of insured workers. However, there are still some problems. One of them is that the insured individuals are overburdened with their own personal resources. How to solve this problem is related to the success or failure of the medical system reform. Therefore, the author of how to reduce the individual burden of insured persons on the province part of the city (ground) were analyzed.