烟台市开发区1994年实施了企业职工医疗保险暂行办法,采用大病统筹与个人账户相结合,并将医疗保险的范围扩大到了私营企业和“挂档”人员,且医疗保险程度高于周边县(市、区),有效地保障了企业职工和离退休人员的基本医疗。然而在运行中也暴露出了一些不足与缺陷。一是受当时条件所限,在 Yantai Development Zone implemented the Interim Measures on Medical Insurance for Employees in Yantai in 1994. It adopted the combination of serious illness and overall account with individual accounts and extended the scope of medical insurance to private enterprises and “hang files” personnel. The level of medical insurance was higher than that of the surrounding counties City, district), effectively protect the basic medical staff and retirees. However, some shortcomings and deficiencies have also been exposed during the operation. First, subject to the conditions at the time, at