随着人均寿命的不断增加以及人口出生率的不断下降,我国已进入老龄化社会。老龄化带来了一系列的社会、经济问题,其中,如何完善老年人医疗保障制度这个问题尤为突出。如何在我国基本国情下,从人口老龄化的现状出发,分析现有医疗保障制度的局限性,提出适合我国国情的多层次老年医疗保障体系设想,具有深远的意义。中国的老龄化是一个规模大且发展迅速的过程,比其他国家都要更快。2015年,60岁以上老年人口已经达到了2.2 As the average life expectancy increases and the birth rate declines, our country has entered an aging society. Aging has brought a series of social and economic problems. Among them, the issue of how to improve the medical security system for the elderly is particularly prominent. How to analyze the limitations of the existing medical insurance system and put forward the assumption of multi-level old-age medical insurance system that is suitable for our national conditions under the basic national conditions of our country and from the current situation of population aging has far-reaching significance. Aging in China is a large and rapidly developing process, faster than any other country. In 2015, the elderly population over the age of 60 has reached 2.2