本文从中国现行医疗保险体制的现状和成因入手,向大家介绍了“四一三”健康保险模式,并用新制度经济学的原理和方法可以分析说明,帮助其更好的实施和改进,从而真正由“小病扛大病亡”到“小病康大病不慌” This article starts with the status quo and causes of the current medical insurance system in China, introduces the “411” health insurance model, analyzes and explains it with the principles and methods of new institutional economics to help it better implement and improve, From “minor illness carries a serious illness” to “minor illness and illness not panic”