本文通过大学生参加医疗保险的调查,分析了影响大学生参加医疗保险的因素。回归结果表明,交易成本、大学生对待风险的态度、示范效应、月生活费用、参保经验和年医疗费用是显著影响大学生医保决策的因素。根据分析的结论,本文提出了促进大学生医疗保险发展的政策建议。 This article through college students to participate in medical insurance survey, analysis of the factors that affect college students to participate in medical insurance. The regression results show that transaction costs, the attitudes of college students to the risks, the demonstration effect, the monthly living expenses, the experience of insured and the annual medical expenses are the factors that significantly affect college students’ health insurance decision-making. According to the conclusion of the analysis, this paper puts forward policy recommendations to promote the development of medical insurance for college students.