「全民健康保險」是我國目前在醫療政策上，正在推行的一項重大改革，其良窳
得失，將直接關係著全體國民的福祉，深為大家所關切。基本上，政府可透過救助、保險和
津貼等三種基本方式，而介入醫療服務的提供。這三種方式各有所長，亦各有所短，因此不
可能只採行其中的某種方式，就能完滿解決全部的問題。規劃報告雖宣稱只採行「保險制」
的政策，但在實際上，其中還是要加入了救助和津貼的成分，以解決低收入戶和榮民的問題
。接著，即使在已決定採行保險政策的前提下，為實現國家醫療政策的目標，經建會針對保
險對象、保險給付、部分負擔、保險財務、支付制度、保險體制、醫療機構的特約和體系等
項目，都提出了原則性的規劃，筆者都一一提出其可能遭遇的問題，並儘量提出因應的對策
，以防範問題於未然。

The implementation of National Health Insurance (NHI) is a major reform
in the health policy in the Republic of China of Taiwan. The performance of this
reform will directly and greatly influence the wellbeing of the people. In
principle, the public provision of health services may be made through the forms
of social assistance, social insurance and universal allowance, There are
different merits and shortcomings for different provisions, so it is impossible
to apply a single provision to solve all problems of health services. Though
only the policy of social insurance is adopted by the NHI Plan, actually the
methods of social assistance and universal allowance are also applied to remove
the financial barrier of low income families and veterans. In order to achieve
the long run aims of national health policy through the provision of social
insurance, CEPD pursues this plan with the aspects of insurance cover, insurance
benefits, cost-sharing, insurance financing, payment system, insurance system,
and the contracting and system of medical institutions. The author points out
all possible problems and raises the coresponding policy to tackle these
problems in advance.