自20世纪80年代以来,我国已进行了20多年的医疗保险改革。虽然医疗保险的制度模式已逐步形成,但仍然存在“看病难”、“看病贵”等突出问题。本文通过运用医患双方简单的“委托—代理模型”,分析了医疗服务市场的特点,试图从非营利组织的视角,提出自己对于医疗保险费用控制问题的看法。 Since the 1980s, China has carried out more than 20 years of medical insurance reform. Although the medical insurance system model has been gradually formed, there are still outstanding problems such as “difficulty in seeing a doctor” and “expensive to see a doctor”. This article analyzes the characteristics of the medical service market by using a simple “trust-agent model” between doctors and patients, and tries to put forward their own views on the issue of medical insurance cost control from the perspective of non-profit organizations.