Legal analysis: First, the coverage must be unified. The urban and rural residents' medical insurance system covers all urban and rural residents except those covered by the employee basic medical insurance. Second, we must unify financing policies. Adhere to multi-channel financing and reasonably determine unified financing standards for urban and rural areas. Areas where there is a large gap between the individual payment standards of urban residents' medical insurance and the new rural cooperative medical insurance can adopt differential payment methods to gradually transition. Third, we must unify security benefits. Gradually unify the coverage and payment standards, maintain the payment ratio of hospitalization expenses within the scope of the policy at around 75%, and gradually improve the level of outpatient coverage. Fourth, we must unify the medical insurance catalogue. Each province (autonomous region, municipality) shall formulate a unified catalog of medical insurance drugs and medical services based on the existing catalogs of urban residents' medical insurance and new rural cooperative medical care, taking due consideration of changes in the needs of insured persons. Fifth, we must unify fixed-point management. Unify the management methods of designated institutions, strengthen the management of designated service agreements, and establish and improve an assessment and evaluation mechanism and a dynamic access and exit mechanism. Sixth, fund management must be unified.

Legal basis: "Notice of the State Council on Issuing the "Thirteenth Five-Year Plan for Deepening the Reform of the Medical and Health System" 3. Promote the integration of the basic medical insurance system. On the basis of the "six unifications" of basic medical insurance for urban and rural residents in terms of coverage, financing policies, security benefits, medical insurance catalogues, designated management, and fund management, we will accelerate the integration of basic medical insurance management agencies. Straighten out the management system and unify the administrative functions of basic medical insurance. To unify the management of basic medical insurance, we can launch a pilot project to establish a medical insurance fund management center to undertake functions such as fund payment and management, drug procurement and cost settlement, negotiation of medical insurance payment standards, and agreement management and settlement of designated institutions. We will intensify reform and innovation and further leverage the role of medical insurance in controlling unreasonable increases in medical expenses. Accelerate the separation of medical insurance administration and management, and improve the legalization and professionalization of medical insurance handling agencies. Innovate the handling service model and promote the formation of a diversified competitive landscape.