城镇居民基本医疗保险政策实施以来,逆向选择现象严重,受制度性约束明显。规避逆向选择问题,需要从制度上明确界定居民医保的人群范围,扩大覆盖面,适度强制参保,提高制度吸引力。 Since the implementation of the basic medical insurance policy for urban residents, the phenomenon of adverse selection is serious and the institutional constraints are obvious. To avoid the problem of adverse selection, there is a need to clearly define the scope of the population of residents for health insurance, expand the coverage, moderately insure the participation and increase the attractiveness of the system.