我国医疗保险对城镇居民直接疾病经济负担影响研究  

Research on the Effect of Chinese Medical Insurances on the Direct Disease Financial Burden of Urban Residents

作　　者：陈瑶[1] 熊先军[2] 刘国恩[3] 陈钢[1] 

机构地区：[1]北京大学中国医药经济研究中心,北京100044 [2]中国医疗保险研究会,北京100716 [3]北京大学光华管理学院,北京100871

出　　处：《中国卫生经济》2009年第2期13-16,共4页Chinese Health Economics

基　　金：国务院城镇居民基本医疗保险试点评估入户调查(2007)支持项目(SMA20070947)

摘　　要：文章利用"国务院城镇居民基本医疗保险试点评估入户调查"数据,通过最小二乘法线性回归模型,分析现有几种主要医疗保险对于城镇居民疾病经济负担的影响。结果显示,有医疗保险的城镇居民的疾病经济负担较没有任何医疗保险的城镇居民低,其中拥有城镇职工基本医疗保险、公费医疗及商业医疗保险的人群疾病经济负担下降了5%或4%;拥有城镇居民基本医疗保险和新型农村合作医疗的人群,其疾病经济负担没有明显下降,分析原因可能是由于城镇居民基本医疗保险刚刚开始试行,参保人群的潜在需求还未充分释放出来;而城镇里拥有新型农村合作医疗的人群可能本身就属于收入比较低和健康比较差的流动人群或农民工,所以未显示出疾病经济负担的缓解。Using a national household survey of the State Council Pilot Urban Resident Basic Medical Insurance Evaluation, this paper analyzes the effect of several basic medical insurances on the direct disease financial burden of urban residents by the ordinary liner square regression. Results show that the disease financial burden of urban residents who have medical insurances is lower than their counterparts. More specifically, the disease financial burden of urban employees who have Urban Employee Basic Medical Insurance （UEBMI）, free medical care and commercial medical care have been reduced by 5% and 4% separately. The disease financial burden of urban residents who have the Urban Resident Basic Medical Insurance （URBMI） and New Rural Cooperative Medical Insurance （NRCMI） haven＇t been reduced significantly. The reasons may due to the fact that the URBMI have just begun and the potential need of the insured people hasn＇t been fully released. Besides, most of people who have the NRCMI in city belong to low-income and poor-health floating population and rural migrant workers, so the disease financial burden hasn＇t been relieved as well.

关 键 词：医疗保险 城镇居民 疾病经济负担 

分 类 号：F842.6[经济管理—保险] F224