空军军医大学唐都医院主任药师刘琳娜说，由于商保目录内只 有19款药品，医生们了解起来很容易，但对于商保目录具体如 何落地还普遍迷茫。她呼吁有关部门发布商保目录实施细则， 让企业、保司、医院、患者各方都更了解政策走向，加快让政 策真正落地。 作者：张铃 封图：图虫创意 1月20日，江西省普惠性商业保险"赣惠保2026"上线，引发保险从业者普遍关注——2种阿尔茨 海默症药品、4种CAR-T药品被纳入保障范围，这种设计参考了 国家首版商保创新药目录（下 称"商保目录"）。 商保目录由国家医保局于2025年12月发布，2026年1月1日起正式执行。目录涵盖19种药品，既 有CAR-T细胞治疗药，也有神经母细胞瘤、戈谢病等罕见病药物，还有社会关注度较高的阿尔茨 海默症药物。这些药品如果纳入基本医保，会对医保基金造成冲击；如果不纳入，很多患者用不起 药，商保目录正是为解决这一矛盾而诞生的。 商保目录最主要的应用场景是惠民保，但多数省市的惠民保产品已在2025年9月—12月完成销 售，保障期为下一个自然年度。赣惠保是少数在年初上线的惠民保，多数惠民保真正对接利用商保 目录要到一年以后。 经济观察报注意到，商保目录开始执行后 ...

Core Viewpoint - The National Healthcare Security Administration and the Ministry of Human Resources and Social Security have issued new guidelines for the integration of commercial health insurance with the national basic medical insurance system, focusing on innovative drugs and their accessibility for patients [1][2] Group 1: Policy Implementation - Provincial healthcare security departments are required to implement the measures outlined in the notification regarding the support for high-quality development of innovative drugs [1] - The commercial health insurance directory for innovative drugs will not be covered by the medical insurance fund and will not be included in the self-pay rate indicators for designated medical institutions [1] Group 2: Support for Innovative Drugs - The application cases of innovative drugs listed in the commercial health insurance directory will not be included in the payment scope under the disease-based payment system, but can be reimbursed after review [1] - Provincial departments may explore the support for retail pharmacies to stock innovative drugs from the commercial health insurance directory and monitor pricing at medical institutions and retail pharmacies [1] Group 3: Multi-layered Medical Security System - Local healthcare departments are encouraged to promote the construction of a multi-layered medical security system and support the development of inclusive commercial health insurance [2] - Commercial insurance institutions are encouraged to design new products and adjust compensation methods based on the commercial health insurance directory to better meet patient medication needs [2]