Insurance medicine is an ideal guarantee mechanism for obtaining high-quality medical care. But it has its drawbacks. Insurance medicine has a big difference between budget financing medicine, namely in the principles of financing. During insurance medicine, the number of places in hospitals is reduced to optimal indicators, but each patient is provided with a high level of treatment. And in terms of budget funding, the state seeks to increase the number of hospitals. After analyzing current events, we can conclude that it is state support that is most effective for overcoming pandemics