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中文摘要：
随着我国老年人口比重的提高，相应的医疗需求和老年照料需求迅速上升，但目前社会供给远滞后于需求，若不能有效解决这一突出的供需矛盾，将给我国的社会经济发展带来极大的不利影响，尤其是对我国社会保障制度产生更大的压力。而作为缓解人口老龄化压力的重要制度——医疗保险的发展却不尽如人意，需要慎重对待。基于此，本文探讨当前中国人口老龄化背景下，医疗保险制度存在的问题，并尝试设计适宜中国国情的医疗保险制度。
英文摘要：
With the proportion of aged population edging care and elderly care services in contrast with the current up constantly in China, there is a rising demand for health lagging supply. Ineffective solution of this imbalance be- tween supply and demand would have major negative effects on the social and economic development, especially putting a major strain on China＇s social security system . As a pressure buffer of the aging population, medical in- surance＇s development has left much to be desired. Based on this, this article discusses issues existing in the cur- rent medical insurance system in the context of an aging population, and tries to offer suggestions on a health insur- ance system fitting with China＇ s situation.
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