问一个关于医疗卫生经济的问题

最近在学health care economics 这门课，有个paper要写，有个问题是关于中国的医疗保险的。现在95%的人都cover在医疗保险的体系之下那么为什么我国的医疗支出才占gdp的百分之5.6%左右呢？按说cover这么多人一年的花费应该很大的。超不过美国的百分之17%也应该比这个数据多吧？有没有什么原因？

1.我们国家医疗补贴少！
2.覆盖不等于都能得到及时的医治和很好的治疗！
3.个人交的比例也很多！
如果可以，可以收集数据，用大数据分析，或者建数学模型来说明问题！这样paper就有了！

楼主你好，我不是学习经济的，只是为了赚你的论坛币去某贴搬书的。 就让一个非专业人用近10年的工作经历和生活来谈谈身边的医保吧，到目前为止，我从医保中获益的就只有1200元现金，在南方工作的时候私企基本是看不到工人使用医保的，只有在北方或者说正式、正规的企业人们才会使用医保，其次医保的报销比例也不同，只有在外企是全报，国企和私企看上的是什么保吧。前面说了支出，现在说说医保基金来源，公司和个人吧，近几年国家加强了对企业与个人对社会的责任管理，就是要求强制上险，并且要求真实就是收入多少就得按多少的来，这也保证了源头。

我没有看你说的国家支出占GDP多少，这里有个文章是说医保支出的你可以看看http://money.163.com/api/15/0611/04/ARQ6MS9800254SK6.html

事实上，我认为最重要的原因是多数人交了医保没有享受到、还有一些人享受到了确没有真正保证他们得到基本的医疗！农村医保和城市医保差距很大，三线城市和一线城市差距又很大。个人浅见，仅供参考。

支出结构不一样吧，财政收入也不一样

支出结构不一样吧，财政收入也不一样

支出结构不一样吧，财政收入也不一样把

Because even though the coverage is high, there is really little consumption by the citizens - the level of benefits received by patients is low and most patients have to pay out-of-pockets-- > they can't afford the payments so they just don't spend the money to treat their diseases. Local governments also don't have the incentives to spend money on healthcare infrastructures so the overall expenditure is "low"

Another point I want to make is that : 5% is not necessarily "low"
Singapore spends 4.6% of its GDP on healthcare while Korea spends 7.2% (refer to worldbank for healthcare expenditure vs GDP : http://data.worldbank.org/indicator/SH.XPD.TOTL.ZS?order=wbapi_data_value_2013+wbapi_data_value+wbapi_data_value-last&sort=asc)

Yet most of their citizens are covered/ insured.

Although US spends 17% of its GDP on healthcare, only ~80% of americans are insured before the obamacare and a lot of people can't afford getting sick in America. I think it's around 90% now with the obamacare but you might want to read more into the conditions and terms of the it- many people still don't get access to expensive procedures and branded drugs.

Attached find the recent McKinsey report on China Healthcare Reform that may be of your interest.