随着经济的发展和改革的深入,现行的医疗保障制度的弊端日益暴露出来。一方面,由于国家和企业包揽职工的医疗费用,使得医疗费用迅猛增长,浪费现象严重。一方面,一些企业经济不景气时,职工得不到应有的基本医疗保障;医疗保障覆盖面窄,管理和服务的社会化程度低,不利于劳动力的流动和减轻企业的社会负担。因此,现行的医疗保障制度越来越不适应社会主义市场经济 With the development of the economy and the deepening of reforms, the shortcomings of the current medical security system are increasingly exposed. On the one hand, due to state and enterprise swamping the medical expenses of employees, medical expenses have increased rapidly and waste has been serious. On the one hand, when some enterprises are in a sluggish economy, the employees are not provided with the necessary basic medical insurance; the coverage of medical insurance is narrow, and the degree of socialization of management and services is low, which is not conducive to the flow of labor and reducing the social burden of enterprises. Therefore, the current medical security system is increasingly not adapted to the socialist market economy.