本文介绍中国农村健康保险试验研究组与美国兰德公司合作在四川省简阳、眉山两县进行的农村健康保险预试验结果及主体试验进展情况。预备试验中入保居民交纳约占人均年收入1.02～1.77％的健康保险金,由村、乡卫生机构提供卫生服务,享受门诊医药费的20～40％、住院医药费50～80％的报销比例。经一年、四千余人的试验表明:卫生服务利用提高,就诊流向趋于合理,医药费用得到控制,村、乡两级卫生机构得到加强,保险金额略有结余。主体试验在总结预试验经验的基础上开展。对医药费用报销比例进行了多样化设计,同时重点对保险财务管理制度、保险医疗卫生服务管理程序进行了研究。目前参保率达80％以上,试验进展顺利。 This paper presents the preliminary results of rural health insurance pilots conducted by the China Rural Health Insurance Pilot Research Group and the US Rand Corporation in the Jianyang and Meishan counties of Sichuan Province and the progress of the main test. In the preliminary test, the insured residents pay a health insurance premium of about 1.02 to 1.77% of the average annual income. The village and township health agencies provide health services, and enjoy 20 to 40% of outpatient medical expenses and 50 to 80% of inpatient medical expenses. proportion. After one year and more than 4,000 people’s experiments showed that the utilization of health services was improved, the flow of treatment became more reasonable, the medical expenses were controlled, and the health facilities at the village and township levels were strengthened, and the amount of insurance had a slight balance. The main experiment was conducted on the basis of summarizing the experience of pre-test. The diversification of medical expense reimbursement ratios was designed. At the same time, the focus was on insurance financial management systems and insurance medical and health service management procedures. At present, the rate of participation is more than 80%, and the test progresses smoothly.