In accordance with the requirements of the Decision of the State Council on the Establishment of a Basic Medical Insurance System for Urban Workers (Guo Fa [1998] No. 44), the framework of the basic medical insurance system for urban workers consists of six parts: First, the establishment of a reasonably affordable **** the same contribution mechanism of the basic medical insurance premiums paid by the employing unit and the individual **** the same payment, reflecting the national social insurance The basic medical insurance premiums are paid by both employers and individuals***, reflecting the compulsory character of national social insurance and the unity of rights and obligations. The fact that medical insurance premiums are paid by both the employer and the individual*** not only expands the source of medical insurance funds, but more importantly clarifies the responsibilities of both the employer and the employee, and strengthens the individual's sense of self-protection. In this reform, the State has stipulated the standards for controlling the rate of contribution by the employer and the rate of contribution by the individual: the rate of contribution by the employer is controlled to be around 6% of the employee's gross salary, with the specific rate to be determined by the localities, and the rate of contribution by the employee is generally 2% of the employee's salary income. Second, the establishment of the integrated fund and individual account basic medical insurance fund consists of the integrated fund used by the society and the individual account fund used by individuals. Individual contributions are all transferred to the individual account, the unit contributions are transferred to the individual account at about 30%, and the remaining part of the establishment of the integrated fund. Individual accounts are used exclusively for one's own medical expenses, and can be carried over for use and inheritance, with the principal and interest of the individual account belonging to the individual. Third, the establishment of a payment mechanism that separates the unified account from the individual account and clearly defines its scope of payment, with the unified fund mainly paying for large sums of money and inpatient medical expenses, and the individual account mainly paying for small sums of money and outpatient medical expenses. In accordance with the principle of "setting expenditure against income and balancing revenues and expenditures", the coordinated fund shall determine the starting standard and maximum payment limit in accordance with the actual situation in each region and the fund's ability to absorb the costs. Fourth, the establishment of effective constraints on the medical service management mechanism of basic medical insurance payment scope is limited to the provisions of the basic medical insurance drug list, diagnostic and treatment items and medical services and facilities standards of the medical costs; the provision of basic medical insurance services to medical institutions and pharmacies to implement the fixed-point management; the social insurance agency and the basic medical insurance service institutions (fixed-point medical institutions and fixed-point retail pharmacies) in accordance with the agreement to provide settlement methods for cost settlement. The social insurance administrative organization and the basic medical insurance service institutions (designated medical institutions and designated retail pharmacies) shall settle expenses according to the settlement methods stipulated in the agreement. Fifth, the establishment of a unified socialized management system of basic medical insurance to implement a certain level of coordination of the social administration, in principle, the administrative regions above the prefecture level (including the prefecture, city, state and league) as a coordinating unit, but also can be the county as a coordinating unit, by the coordinating region of the social insurance agency is responsible for the fund of the unified levies, the use of the fund and management, to ensure that the fund of the full amount of levies, the reasonable use of the fund and the timely payment. Sixth, the establishment of a sound and effective regulatory mechanism of the basic medical insurance fund to implement financial account management; social insurance agencies to establish sound rules and regulations; co-ordination area to set up a basic medical insurance social supervision organization to strengthen social supervision. To further establish and improve the fund's budgeting system, financial accounting system and social insurance agency internal audit system.