『醫療融資』的思維邏輯反映出社會事實，那就是財政收支在逐步邁入高齡化社會已經無法滿足大眾個別的醫療風險需求，特別是與醫療聯結的長期照護。香港這個高度資本主義導向的社會，公私營醫療服務並存的公共醫療系統在公共收支無法求取平衡，港府揚棄過去不介入的立場，尋求一般稅收的替代財源，朝向多元保險承攬的準社會保障財務責任機制。唯一確定的方向，在經濟榮景可期的時代，必須就要擬定長遠的方案。不論是『社會保險』還是『醫療融資』方案，穩健的財務機制永遠是決定制度成敗關鍵因素。從『宏觀調控』的層面觀察，景氣循環震盪與人口老化速度我們無法控制，但是我們可以在經濟形勢有利與人口老化程度尚未明顯時及早因應，減低因此而帶來的後遺症。

To any other Social-Support system, Medical Care is the resource re-distribution from generation to generation. Medical Loans Program reflects the social fact, that the budget can not satisfy of demand in the aging society, especially in long-term care system. Public and private medical care in Hong Kong is the argumentative social issue, public medicial care needs substitute financing, toward the quasi-social support financial mechanism with mutli-insurance carrier. Well-developed financial mechanism is the major factor between Social insurance and Medical Loans Program. To analysis in macro level, economy cycles and aging society are social facts we can not avoid. However, we must face them in advance.