“看病难”“看病贵”一直是制约医疗保险发展的两大难题,而医疗保险中的道德风险又为“看病难”“看病贵”提供了继续发展的温床。本文在对医疗保险中道德风险的种类、原因进行研究的基础上,力求探讨规避道德风险的一些措施和建议,为促进医疗保险的合理发展并满足全民的健康需求提供帮助。 “Difficulty seeing a doctor” “Expensive doctor” has been the two major problems restricting the development of medical insurance, and the moral hazard in medical insurance has provided a hotbed of continued development for “difficult to see a doctor” and “expensive doctor” . Based on the research on the types and causes of moral hazard in medical insurance, this article tries to explore some measures and suggestions to avoid moral hazard, which can help to promote the rational development of medical insurance and meet the health needs of all people.