Problems with medical insurance refer to some problems in the medical insurance system, mainly referring to the loopholes and defects in the medical insurance policy itself, which leads to the inability of medical insurance to effectively protect people's health needs. These problems include insufficient medical insurance reimbursement, unbalanced funds and inflated drug prices, which have seriously affected people's health protection rights and interests.

The problem with medical insurance is that some patients spend a lot of money because of illness, and may even delay the treatment time due to economic pressure, which leads to the aggravation of their illness and even the ineffectiveness of long-term treatment. In addition, some hospitals prescribe high prescriptions in order to improve their income, which not only increases the burden on patients, but also brings great pressure to the medical insurance fund.

To solve the medical insurance problem, the government, medical insurance institutions, hospitals and patients need to participate, establish a scientific and sound medical insurance policy, strengthen fund management and supervision, promote rational drug use and medical service price rationalization, and establish a humanized medical insurance service system. Only by reforming and improving the medical insurance system can people's health rights and interests be better protected.