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医疗保险对流动人口灾难性医疗支出的影响

朱铭来1,2 史晓晨1

(1.南开大学金融学院)
(2.南开大学中国特色社会主义经济建设协同创新中心)

【摘要】文章利用2014年流动人口动态监测调查数据,运用Probit和Heck-probit模型,验证了基本医疗保险参保对流动人口灾难性医疗支出的影响。研究结果表明,参加医疗保险可以显著降低流动人口灾难性医疗支出的发生率;城镇医疗保险对灾难性医疗支出发生率的降低作用强于新型农村合作医疗;医疗保险报销比例越高,灾难性医疗支出发生率越低。因此,文章建议在确保流动人口医疗保险普遍参保的基础上,为流动人口中的灵活就业人群提供更多城镇职工医疗保险,从而提升保障水平、有效降低灾难性医疗支出。同时进一步完善农村医疗保险的转移接续政策,使流动人口真正享受到医疗保险带来的实惠。

【关键词】 灾难性医疗支出;流动人口;医疗保险;

【DOI】

The impact of medical insurance coverage on migrant population’s catastrophic health expenditure

ZHU Minglai1,2 SHI Xiaochen1

(1.School of Finance, Nankai University)
(2.Collaborative Innovation Center for Socialist Economy with Chinese Characteristics, Nankai University)

【Abstract】Based on the data of 2014 Migrant Dynamics Monitoring Survey in China, this paper uses Probit model and Heckprobit model to examine the impact of medical insurance coverage on the catastrophic health expenditure of migrants. The results show that people covered by basic medical insurance have a lower incidence of catastrophic health expenditure than those not covered. People with urban medical insurance have a lower incidence of catastrophic health expenditure than those with new rural cooperative medical insurance. In addition, the higher the reimbursement ratio is, the less likely catastrophic health expenditure happens. Therefore, this paper proposes that, in addition to ensure the universe participation in medical insurance program among migrant population, we should provide more urban medical insurance to those with more flexible employment to enhance the security level and to efficiently reduce the rate of catastrophic health expenditure. Meanwhile, we should further improve the medical insurance’s transferring policy, enabling migrants to reap the benefits brought by medical insurance.

【Keywords】 catastrophic health expenditure; migrant population; medical insurance;

【DOI】

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    Footnote

    [1]. ① Household affordability refers to the effective income of household total expenditure after deducting living expenses. Household living expenditure refers to the minimum consumption expenditure level that meets the basic life security, which is reflected by the poverty line based on food expenditure, and food expenditure is the total value of the home-purchasing and self-produced food without the expenditure of drinks, tobacco and dining out. [^Back]

    [2]. ② The US Tax Reform Act Of 1986 grants tax relief to households whose out-of pocket health expenditure exceeds 5% of their adjusted total income. [^Back]

    [3]. ① Household surplus ratio = (Household monthly income − Household monthly expenditure) / Household monthly income [^Back]

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This Article

ISSN:1000-7881

CN: 11-1043/C

Vol , No. 06, Pages 47-57+127

December 2016

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Article Outline

Abstract

  • 1 Introduction
  • 2 Econometric model and data description
  • 3 Econometric result analyses
  • 4 Conclusion and policy implication
  • Footnote

    References