The significance of universal medical insurance lies in: first, everyone enjoys basic medical insurance; Secondly, there should be some public health services, and it is best to get sick less and not get sick. Therefore, the universal medical insurance mentioned in this paper means that the government must establish or hold medical insurance that all citizens in urban and rural areas can participate in, so that everyone can get help from the medical insurance system organized by the government after illness, regardless of status, identity and gender.

The problem of expensive and difficult medical treatment that people are most concerned about is expected to be alleviated. It is reported that the nationwide universal medical insurance pilot is about to break through, and the universal medical insurance plan is expected to enter the stage of full implementation. Feng Shiliang, a member of the Chinese People's Political Consultative Conference, specifically mentioned the problem of small medical insurance coverage in China in the proposal of "solving the problem of expensive and difficult medical treatment for ordinary people as soon as possible".

Of the population of1300 million in China, only 200 million urban residents have medical insurance, plus the rural1700 million new rural cooperative medical system, only 370 million people can enjoy medical insurance, and nearly100 million people do not have medical insurance. It is precisely because universal medical insurance has not been realized that ordinary people directly feel that it is expensive and difficult to see a doctor. In the United States, seeing a doctor is also very expensive, but Americans have medical insurance, so they don't think it is expensive. Therefore, if people want to afford diseases, they must establish a complete medical insurance system.