大利好！国家医保局，正式发布

Core Viewpoint - The new healthcare policy aims to enhance the accessibility of innovative drugs through the establishment of a commercial insurance innovation drug directory, which is expected to include around 20 to 30 new drugs, thereby improving the overall insurance coverage for patients [6][9]. Group 1: Policy Changes - The National Healthcare Security Administration (NHSA) has released a series of documents outlining the adjustments to the 2025 National Basic Medical Insurance, Maternity Insurance, and Work Injury Insurance drug directories, as well as the commercial health insurance innovation drug directory [2][4]. - The new policy emphasizes a collaborative negotiation mechanism for the commercial insurance innovation drug directory, differing from the basic insurance directory's negotiation process [6][8]. Group 2: Market Impact - The introduction of the commercial insurance innovation drug directory is expected to allow insurance companies to negotiate prices with pharmaceutical companies, leading to lower prices compared to existing market rates [6][8]. - This policy is anticipated to expand the coverage of commercial insurance and reduce operational costs for insurance companies, ultimately benefiting patients by increasing their access to innovative drugs [6][9]. Group 3: Implementation and Future Outlook - The NHSA will begin accepting applications from eligible companies for the new drug directory starting from July 20, 2023, indicating that the preparation for the 2025 adjustments is nearly complete [9]. - The dynamic nature of the directory, which will be updated annually, suggests that more innovative drugs may be included in short-term health insurance plans in the future, providing more options for the public [8][9].