The reason why medical insurance should be divided into local medical insurance and medical insurance in different places is mainly based on the division standard of insured place. Although medical insurance belongs to localized management, it is not for medical treatment in different places, nor does it affect reimbursement in different places. Due to China's vast territory and uneven level of economic development, the payment level of medical insurance is completely different. Because medical insurance involves the protection of medical fund, which is a life-saving money to solve our hospitalization expenses, and has a lot to do with the level of economic development, payment base and payment ratio. In order to protect the rights and interests of the insured more effectively, the current medical insurance basically adopts the way of overall planning at the prefecture and city levels, with the aim of achieving the effect of making up for the apology with the rich.