医疗保险促进健康吗？——基于中国城镇居民基本医疗保险的实证分析
阅读全文
下载全文 |
| Title | Does health insurance lead to better health?
|
| 作者 | 潘杰 雷晓燕 刘国恩 |
| Author | Pan Jie, Lei Xiaoyan and Liu Guoen |
| 作者单位 | 四川大学华西公共卫生学院;北京大学中国经济研究中心;北京大学光华管理学院 |
| Organization | West China School of Public Health, Sichuan University; National School of Development, Peking University; Guanghua School of Management, Peking University |
| 作者Email | panjie.jay@gmail.com；xylei@ccer.pku.edu.cn；panjie.jay@gmail.com |
| 中文关键词 | 医疗保险 健康 城镇居民基本医疗保险 政府补助 |
| Key Words | medical insurance; health; urban basic medical insurance; governmental subsidy |
| 内容提要 | 医疗保 险全民覆盖是各国医改主要推进的卫生政策，其巨额支出能否有效促进人们健康成为全球经济学家们争论的焦点。本文利用2007-2010年国务院城镇居民基本医疗保险试点评估入户调查数据，采用各城市对参保人群的政府补助比例作为工具变量，利用二阶段最小二乘法模型估计了城镇居民基本医疗保险对城镇成年人健康的因果影响，发现其显著提高了参保个人的健康水平，并对社会经济状态较差的人群起到了更大的健康效应。通过对影响渠道的估计，找到了城居保提高参保个人卫生服务利用但并未增加其经济负担的证据。本文结果支持医保覆盖扩大有助于提高全民健康水平的判断，特别是促进了弱势群体的健康，这为当前不断加大政府补助推进城乡医疗保险覆盖的公共政策提供了决策参考支持。 |
| Abstract | Whether health insurance matters to health has been at the center of debates when expanding health insurance coverage in developed and developing countries. In 2007, the Urban Resident Basic Medical Insurance (URBMI) program was piloted in China. Different government subsidies across cities and groups provide an opportunity to employ the IV estimation approach to identify the causal effects of health insurance on health. Results from the URBMI survey data show that URBMI beneficiaries experience statistically better health than the uninsured. Furthermore, the insurance health benefit appears to be stronger for groups with disadvantaged education and income than for their counterparts. In addition, the insured receive more and better inpatient care, without paying more for the services. |
| 文章编号 | WP432 |
| 登载时间 | 2013-02-07 |
|