数学中国w, madio,net The Most Expensive is Not the Best 167 The differences between public and private insurance are in service and cost. The government should provide basic medical care-the lowest level of service. Commercial insurance should offer more service and better con- ditions, at a slightly higher cost. A resident who participates in commercial insurance should thus pay a little more in addition to using the medical insurance voucher. When healthcare coverage becomes universal, people will pay only a small part of their income to get the healthcare. Advantages of this plan are: The plan designs a competitive relationship among insurance institu- tions, to make them to do their best to reduce cost and improve quality ofhealthcare-thus improving the effectiveness of the healthcare system. In particular, there is a competitive relationship between government (social) insurance and commercial insurance. In some countries where social insurance dominates, needs can' t be satisfied and effectiveness is low. Besides, setting social insurance at a minimal level can not only make commercial insurance institutions improve themselves, but adjust the national view Collect the funding for the medical insurance vouchers by taxes, which solves the problem of fairness. Faimess asks the healthcare system not to provide the medical care by income but by need. The tax system has a target of reallocating incomes, and it also can be used to solve the problem of faimess. This plan protects the right of choice of residents. It combines compe- tition and human rights, making for a balance between two important problems References Ding, Chun. 2005. An empirical comparison of four models of healthcare systemsintheworldWorldEconomicPapers2005(4)#36.http:// scholar, ilib. cn/A-sjjjwb200504036html Goldstein, H, and D. Spiegelhalter 1996. League tables and their limi- tations: Statistical issues in comparisons of institutional performance journal of the Royal Statistical Society Series A 59(3): 385-443 http://ww.cmm.bristol.ac.uk/team/hg_peraonal/limitatIonS of-learue-tables. pdf Mathersetal.HealthyLA4o0pectancy-Lancet2001pdre aur- Mathers, Colin D, Ritu Sadana, Joshua A Salomon, Christopher J.L. ray, and Alan D. Lopez. 2001. Healthy life expectancy in 191 countries, 1999.Lancet357:1685-1691.http://jasalomon.google数学中国 www.madio.net