The Problems and Countermeasures for China's Current System of Medical Insurance Personal Accounts
Peipei Liu, Zhixin Liu

Abstract
Medical insurance system reform in our country has been pushing a society to plan as a whole and individual account of combining the mode, which one in the moral hazard pay to solve medical problems, enhance the welfare of ginseng protect citizens,for the aging of the population coming accumulation fund of insurance of social medical treatment, medical treatment cost control, of the social medical treatment insurance system sustainable development has played an important role. But in operation of individual account is not strong, range of accumulating narrow, the lack of mutual aid character, and the lack of equity, needs further improvement and development. By increasing the individual account of accumulating, strengthen the role of cost control, expand the range and increase their character of each other aid, will make its role bigger, more with Chinese characteristics.

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