新型农村合作医疗保险自2003年实施至今,取得了很大的成绩,很大程度上解决了农村医疗卫生保障匮乏的状况,,但由于立法层级较低,参保主体权利义务界定模糊,缺乏系统的法律保障,因此依然存在着“看病难、看病贵”的问题。针对此种情况,我国应构建完备的法律体系,加强对基金的监督审查力度,拓宽资金筹集渠道,从而改进农村居民因病返贫因病致贫的现象。 Since its implementation in 2003, the new-type rural cooperative medical insurance has achieved great success and has largely solved the problem of lack of medical and health insurance in rural areas. However, due to the low level of legislation, the rights and obligations of insured participants are vaguely defined and lacking in system The legal protection, so there is still “difficult to see a doctor, expensive doctor” issue. In response to this situation, our country should establish a complete legal system, strengthen supervision and review of the fund, and broaden channels of fund-raising so as to improve the phenomenon of rural residents returning to poverty due to illness.