医疗保险状态对医疗消费差异的影响研究——基于中老年人群的一项微观实证分析  

The Effect of Health Insurance Status on Disparity of Health Care Consumption

作　　者：胡炳志[1] 曹海涛[1] 

机构地区：[1]武汉大学社会保障研究中心,湖北武汉430072

出　　处：《消费经济》2017年第1期31-37,共7页Consumer Economics

摘　　要：利用中国健康和养老追踪调查2013年数据,使用两部模型,以中老年人群为例,分析社会医疗保险状态与医疗消费水平之间关系。研究发现:参保不同医疗保险的中老年人间的医疗消费水平存在显著差异,相比于合作医疗,参加城镇职工医保、公费医保、城镇居民医保的中老年人有显著更高的总医疗消费开支和自付医疗消费开支。分群体的稳健性检验表明,在老年人群、中老年女性人群中,异质性医疗保险状态导致的医疗消费水平差异同样存在。分位数回归显示,在较低的医疗支出水平上,参保状态影响显著。通过构建基本相似的医疗保险"welfare package"实现卫生服务利用公平。Consumer service industry gathers along with people＇s gathering. Manufacturing industry development has attracted more labor force to gather in the local, thus indirectly promotes consumer services agglomeration. On the other hand, manufacturing agglomeration has also increased people＇s income leveland compressed the time they are engaged in housework, so that consumer services are separated from family activities, and the concentration of service industries in economic developed regions is much higher. The level of information for the consumer services industry is a discrete force because the informatization enables consumers to complete the virtual agglomeration on the network, replacing their agglomeration needs in the actual geogranhical soaces.

关 键 词：医疗保险状态 医疗消费支出 补偿比例 WELFARE PACKAGE 

分 类 号：F840.684[经济管理—保险]