The impact of medical insurance coverage on migrant population’s catastrophic health expenditure
(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;
. 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 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]
. ① Household surplus ratio = (Household monthly income − Household monthly expenditure) / Household monthly income [^Back]
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