The game analysis of Consumer's choice in medical insurance pooled in municipalities level

摘要

Consumer's choice is always the key issue of the rational allocation of medical resources and the effective usage of health care funds. It's also one of the most important problems of the country's current health system reform. In this paper, through establishing the game model among the social insurance institutions, medical institutions and insured person, we analyze the overall process of the consumer's choice of medical institutions in the municipal health insurance. By using Nash equilibrium conditions of the model, we show how social insurance institutions regulate the consumer's choice through the insurance policy making, and thus ease the strain on the resources of quality medical health care and make rational expenditure of the medical insurance fund.