保險人保險人支付制度醫療特約保費提供保險給付 保險人保險人支付制度醫療特約保費提供保險給付 Political climate*President and congress*Interest groups*Laws and regulationsEconomic conditions *General economy *competitionTechnology development *Biotechnology *Information systemsHealthCareDelivery Social values and culture*Ethnic diversity*Cultural diversity*Social cohesionManagementInformationFinancing CarePRICEE Market-determined equilibriumPQQuality