《保险研究》20191208-《基本医疗保险对老年人灾难性卫生支出的影响研究》(丁继红、游丽)

[中图分类号]F840.684 [文献标识码]A [文章编号]1004-3306(2019)12-0098-10 DOI:10.13497/j.cnki.is.2019.12.008

资源价格:30积分

  • 内容介绍

[摘   要]本文根据中国健康与养老追踪调查(CHARLS)2015年的截面数据,利用Logit模型和多元线性回归模型等方法,实证分析不同种类不同性质医疗保险对于老年人群体灾难性卫生支出发生率和发生强度的影响。研究发现:不同的医疗保险对于降低老年人灾难性卫生支出发生率和发生强度确实存在明显差异;城职险相较于城居险和新农合更能有效降低灾难性卫生支出发生率和发生强度;自愿性医疗保险的参保者相较于强制性医疗保险有更高的灾难性卫生支出发生状况。

[关键词]基本医疗保险;灾难性卫生支出;老年人

[基金项目]天津市哲学社会科学规划项目“贫困老人和儿童的公平健康保障体系建设研究——以天津市为例”(编号:TJLJ18-002)。

[作者简介]丁继红,南开大学经济学院副教授,中国特色社会主义经济建设协同创新中心研究员;游丽,现供职于牧原食品股份有限公司。


A Study on the Impact of Basic Medical Insurance on Catastrophic Health Expenditure of the Elderly

DING Ji-hong,YOU Li

Abstract:Based on the cross-sectional data of China Health and Pension Tracking Survey (CHARLS) in 2015,this paper used the Logit model and multiple linear regression model to empirically analyze the occurrence rates and intensities of catastrophic health expenditure of the elderly for different types and natures of medical insurance. The study finds that:different medical insurances  are  significantly different in reducing the occurrence rates and intensities of catastrophic health expenditures among the elderly;urban employee medical insurance is more effective for reducing catastrophic health expenditure than urban residential medical insurance and new rural cooperative medical insurance;Participants to voluntary medical insurance have higher catastrophic health expenditures than those to compulsory medical insurance.

Key words:basic medical insurance;catastrophic health expenditure;the elderly