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分析了我国医疗保险的发展及现状，以疾病的风险和人们的抗风险能力为依据将我国城市医疗保障体系分为三个层次：家庭内的风险分摊、社会医疗保险和商业性补充医疗保险。阐述了三者之间相辅相成的关系：家庭内的风险分摊能力决定了社会保险的起保水平；商业保险是目前社会医疗保障改革和完善的关键。预测了今后的发展方向，即：增强家庭内的风险分摊能力可以采用强制性的医疗储蓄帐户，也可以由家庭自行安排；社会保险的起保线可与收入相关联，进一步扩大覆盖面，补偿水平应与本地区的经济实力相符合；商业医疗保险是薄弱环节，但有着广阔的发展前景，有待进一步大力发展。
Based on the analysis of the development and current situation of medical insurance in China, based on the risk of disease and people’s ability to resist risks, China’s urban medical security system is divided into three levels: risk sharing within the family, social medical insurance and commercial supplementary medical insurance. Explain the relationship between the three complement each other: The risk sharing ability within the family determines the level of social insurance protection; commercial insurance is the key to the current social security reform and improvement. The future direction of development is predicted, that is: to strengthen the risk sharing ability within the family can be used mandatory medical savings account, can also be arranged by the family; social insurance starting line can be linked to income, further expand the coverage, compensation level Should be consistent with the economic strength of the region; commercial medical insurance is a weak link, but has broad prospects for development, pending further vigorous development.