在深化医疗卫生体制改革的进程中,建立覆盖城乡的医疗保险是一项核心任务。其中社会保险和商业保险的制度边界问题是各方讨论的重点,其实质是对政府和市场权力边界的划分。本文以保险经济学为基础,结合国际国内实践,对社会保险和商业保险的匹配问题进行分析,并就现阶段我国实现二者匹配的途径提出了建议。 In the process of deepening the reform of the medical and health system, setting up medical insurance covering urban and rural areas is a core task. Among them, the institutional boundary issue of social insurance and commercial insurance is the focus of discussion of all parties, and its essence is the division of government and market power boundaries. Based on insurance economics, this paper analyzes the matching between social insurance and commercial insurance based on the international and domestic practices, and puts forward suggestions on how to achieve the matching between the two at the present stage.