医疗行业信息不对称和技术垄断,使得该领域供方的道德风险发生频率高且规避难度大,导致了医疗费用的急剧攀升,并进而损害了医疗保险制度的效率基础。它导致了对医疗资源的过度消耗,即医疗服务带来的边际收益低于其边际成本,使医疗保险费用脱离它所提供的医疗保障水平而不受约束 Asymmetric information and monopoly of technology in the medical industry make the supplier’s moral hazard in this field frequent and difficult to evacuate, leading to a drastic increase in medical expenses and thus undermining the efficiency of the medical insurance system. It leads to over-consumption of medical resources, ie the marginal benefit of medical services is lower than their marginal cost, leaving the medical insurance fee unfettered from the level of medical protection it provides