保险,作为风险转移、损失补偿的一种运营模式,需要遵循市场经济的基本法则:即消费者根据自身风险高低、风险偏好以及支付能力大小购买保险、实现其效用最大化;而经营者(政府或保险公司)应根据保险标的风险大小合理定价,以高效管理控制成本以实现收支平衡。但在医疗保险市场,普遍存在 As an operation mode of risk transfer and loss compensation, insurance needs to follow the basic law of market economy: that is, consumers purchase insurance according to their risk level, risk preference and ability to pay to maximize their utility; while the operator (the government Or insurance companies) should be reasonably priced according to the size of the insured risk to efficiently manage the cost of control in order to achieve a balance of payments. But in the medical insurance market, ubiquitous