建立医疗保险制度能够维护人民的自身健康,保障人民安居乐业,对于人类社会发展有着巨大的贡献。但是,目前我国医疗保险中存在诸多问题,道德风险就是其中比较严重的一个。笔者根据医疗保险道德风险的相关问题进行了分析与探讨,为同行制定相应的解决措施提供依据。 The establishment of a medical insurance system can safeguard the people’s own health and ensure that the people live and work in peace and contentment. It has made tremendous contributions to the development of human society. However, there are many problems in China’s medical insurance at present, and moral hazard is one of the more serious ones. The author analyzes and discusses the issues related to the moral hazard of medical insurance, and provides the basis for the counterparts to formulate corresponding solutions.