[영문]Objective: Expose the weak loops in the Chinese medical insurance coverage and uncover hospitals role of overpricing hospitalized insured patients compared with those noninsured.Methods: A multilinear regression method was used to analyze hospitalization expense for insured and uninsured patients with uncomplicated acute appendicitis, cholecystitis, benign uterine tumors, and normal delivery.Results: Hospitalization cost is higher among insured than uninsured patients due to longer hospitalization lengths of stay, type of disease highest among cholecystitis patients, type of gender ? females, oldaged people, and type of marital status ? singles, as well as drugs expenses, surgical expenses, and other medical acts.Conclusion: Require a better governments supervision system over medical insurance expenses such as reforming methods of payments, building up new cost compensation mechanism, and unifying and stabilizing prices for each category of medicines