医疗保险个人账户是否抑制了医疗费用的膨胀？--基于广东省A市的实证分析  

Whether the Medical Saving Accounts Suppress the Expansion of the Medical Cost?

作　　者：初可佳[1] 侯小娟[2] 郑倩昀 

机构地区：[1]广东金融学院保险系,广东广州510521 [2]中山大学岭南学院,广东广州510275

出　　处：《金融经济学研究》2014年第2期119-128,共10页Financial Economics Research

基　　金：国家社科基金重大项目(10zd&038)、国家社科基金重点项目(09AZD039);教育部人文社科规划项目(13YJC840005);广东省科技计划项目(2012B031400012);广州市哲学社科一般项目(13Y17)

摘　　要：利用广东省A市微观数据,运用非平衡面板模型,从整体与分群体两个角度来系统研究个人账户、个人账户实际支付比及个人账户政策调整对于医疗总费用、个人账户医疗费用支出、个人医疗费用支出的影响。研究发现,个人账户未能实现制度设计初衷,并未有效抑制医疗费用的快速膨胀。在个人账户的去留已成为推进社会医疗保险整合必须解决的重要问题的背景下,建议逐步弱化个人账户的功能,最终完全取消个人账户。而在取消个人账户之前,可采取扩大个人账户支付范围,加快推广并完善门诊统筹政策等措施来过渡。Containing the excessive growth of the medical costs is one of the important functions of medical saving accounts( MSAs),and it is also the main problem of the sustainable development for the medical insurance system. Using the micro-level medical data of one city in Guangdong Province,this article designs an unbalanced panel model to research the influence that the MSA s,the MSAs real paying and the MSAs policy adjustments impact the total medical costs,the MSAs medical costs and the personal medical costs from two perspective of overall and sub-group. The results show that the MSAs can't realize the original aim of the system design,and can't suppress the excessive growth of the medical costs. Therefore,at the background of whether the MSAs should be remained is the most important problem must to be solved in the process of improving the integration of social medical insurance,we suggest gradually weakening the MSAs and then terminating it. And before terminating the MSAs,we should expand the MSAs' pay scope and accelerate the promotion and improvement of the out-patient pooling funds system and policy.

关 键 词：医疗保险 个人账户 医疗费用 

分 类 号：F842.6[经济管理—保险]