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

【关键词】:医疗保险;;健康;;城镇居民基本医疗保险;;政府补助
【摘要】:覆盖全民的医疗保险是各国的主要卫生政策,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,利用相关模型估计了城镇居民基本医疗保险对城镇居民健康的影响。研究显示,医疗保险有利于促进参保个人的健康,且对社会经济状态较差的人群影响更大。另外,对影响机制的分析,证实了城居保提高人们卫生服务利用但并未增加个人的经济负担。本文的基本判断是:医疗保险制度可以促进参保居民的健康水平的提高,并对弱势群体有相对更大的优势,这为进一步完善中国基本医疗保险制度提供了实证依据。
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.