The game analysis of Consumer´s choice in medical insurance pooled in municipalities level

Consumer´s choice is always the key issue of the rational allocation of medical resources and the effective usage of health care funds. It´s also one of the most important problems of the country´s current health system reform. In this paper, through establishing the game model among the social insurance institutions, medical institutions and insured person, we analyze the overall process of the consumer´s choice of medical institutions in the municipal health insurance. By using Nash equilibrium conditions of the model, we show how social insurance institutions regulate the consumer´s choice through the insurance policy making, and thus ease the strain on the resources of quality medical health care and make rational expenditure of the medical insurance fund.