Deepening reform requires market forces.

By market forces, with the reform of the way to mobilize social forces in developing commercial health insurance, and therefore, the basic medical insurance, helps to raise the level of people health care and meet the demand of multi-level health, promote the development of health services, expanding employment, promoting economic restructuring and improve people's livelihood.

Recently held the second session of China's medical reform and the progress of science and technology on top BBS, the participating experts generally believe that health care in China is facing a more heavy burden, the government play a leading role at the same time, should mobilize all social resources and power, bring into full play the function of commercial health insurance in health care, eventually forming the government, society and enterprises such as multi-level medical security system.

With the advent of the aging era and the deepening of medical reform, the demand for medical consumption is growing rapidly, and the business opportunities of health industry are unlimited. However, if only the doctors and patients in the medical service system, it is easy to have market failure. On the one hand, doctors are both the providers of medical advice and the operators and indirect beneficiaries of medical services, and the information asymmetry between doctors and patients is prone to excessive medical treatment. On the other hand, commercial insurance lacks a medical service system, and the medical expenses burden of patients is unpredictable and alleviated.

Printing of the general office of the state council "about speed up the development of several opinions of the commercial health insurance is put forward, to 2020 basic establishment perfect market system, rich product form, management integrity of modern health insurance services. The current medical reform has entered the deep water zone, and multi-party participation is the driving force for the reform. Although China's basic medical insurance coverage has reached more than 95%, but the basic health care is not equal to universal health care, nor provide a free medical care, to get better medical service, easing the burden on individuals, commercial insurance is indispensable. After years of exploration in developed countries, most of the burden of medical expenses is Shared by introducing commercial insurance. The reverse supervision of insurance companies is also the key to lower medical costs, which can restrain excessive medical treatment to some extent.