Abstract：Since the reform and opening up， China’s health insurance system has experienced a development process from pilot exploration to covering all citizens， which also carried out new improvement with the background and opportunity of the new medical and health system reform. Based on the review of the development path of health insurance for 40 years since the reform and opening up， this paper finds that the health insurance system’s development has some experiences such as objects people from less to more， system types from segmentation to integration， medical insurance standard from lower to higher， medical insurance management from extensive to fine， and reform method for medical insurance from individual to coordination. However， there are still some problems in the health insurance system such as fairness needing improving， the unclear positioning of the institution， unclear rights and responsibilities， and the inadequate functioning of medical insurance in the medical and health system. Under the guidance and strategic themes of healthy China， the path of building a more fair and sustainable universal health insurance system includes a more fair and complete medical insurance system， a more reasonable financing mechanism， a more efficient management services and a more systematic reform way.
仇雨临 王昭茜. 我国医疗保险制度发展四十年：进程、经验与展望[J]. 华中师范大学学报（人文社会科学版）, 2019, 58(1): 23-30.
Qiu Yulin Wang Zhaoxi. Development of Medical Insurance System for 40 Years：History，Experience and Prospects. journal1, 2019, 58(1): 23-30.
2019, Vol. 58 
