整合城乡医保,不可避免会遇到缴费标准、保障待遇和管理体制不一致的难题。城镇居民基本医疗保险启动晚于新农合,但在大多数地区筹资标准高于新农合,相应地待遇水平也高于新农合。人群分等、制度分设、待遇有别显然不利于社会公平,因此统一筹资规则、统一医保目录规则、统一医院药店定点规则、统一报销规则应该成为城乡医保制度整合的原则。值得注意的是,制度统一 The integration of urban and rural medical insurance will inevitably encounter payment standards, protection of treatment and management system is not the same problem. The basic medical insurance for urban residents started later than NRCMS, but the funding standard in most areas was higher than NRCMS, and the corresponding treatment level was also higher than NRCMS. Therefore, the principle of unifying funding rules, unifying medical insurance directory rules, unifying hospital pharmacies fixed-point rules and reunifying reimbursement rules should become the principle of urban-rural health insurance system integration. It is noteworthy that the system of unity