Core Viewpoint - The adjustment of the National Medical Insurance Drug List for 2025 is a significant innovation aimed at enhancing the multi-tiered medical security system in China, promoting the development of innovative drugs, and improving patient access to medications [1] Group 1: Policy and Mechanism - The newly added commercial insurance innovative drug directory reflects comprehensive support for the development of innovative drugs from the payment side, facilitating the connection between commercial insurance and innovative drugs [1] - A suggestion to establish a regular communication mechanism among stakeholders, including clear negotiation rules and benefit distribution frameworks, is proposed to enhance collaboration [2] - The core value of the commercial insurance directory is to address the access challenges of innovative drugs, particularly those that are high-value but currently not covered by basic medical insurance [2] Group 2: Product Design and Patient Access - The design of health insurance products should adopt a "core protection + flexible options" approach, ensuring basic coverage for urgently needed innovative drugs while offering differentiated options based on premium levels [3] - A dynamic adjustment mechanism based on the drug protection list is recommended to regularly evaluate drug usage and optimize coverage [3] Group 3: Pricing and Payment Mechanisms - To enhance the accessibility of innovative drugs, a balanced approach between pharmaceutical company profits and commercial insurance payout pressures is necessary [4] - Suggestions include optimizing hospital drug management policies and lowering payment thresholds by allowing the use of personal medical insurance accounts for purchasing drugs [4] Group 4: Collaborative Framework - A collaborative mechanism involving government guidance, market operation, and social participation is recommended to support the negotiation and implementation of the drug directory [5] - The establishment of a cross-departmental joint meeting system is suggested to regularly coordinate and resolve issues during the implementation process [5]