社会医疗保险是否改变了参保人的就医行为?——来自城镇居民医疗保险制度的证据  

Does Social Medical Insurance Changes the Insurant's Health Seeking Behavior?——The Evidence From Medical Insurance System for Urban Residents

作　　者：于大川[1] 李晓玲[1] 冯仕飘 YU Da-chuan;LI Xiao-ling;FENG Shi-piao(Institute of Social Security,Guangdong University of Finance,Guangzhou 510521 China;Agricultural Bank of China Yangjiang Branch,Yangjiang 529941 China)

机构地区：[1]广东金融学院社会保障研究所 [2]中国农业银行阳江分行

出　　处：《广西经济管理干部学院学报》2019年第1期19-25,共7页Journal of GuangXi Cadres College of Economic and Management

基　　金：教育部人文社科青年基金项目"农村医疗保障制度的健康扶贫效应及提升策略研究"(19YJC840055);广东高校省级重点平台和重大科研项目"‘健康中国’背景下广东省社会医疗保障制度实施绩效评价及优化路径研究"(2017WTSCX086);广东省哲学社科规划项目"社会支持网络视角下广东省空巢老人健康促进机制研究"(GD15XSH03)

摘　　要：医疗保险对参保人就医行为的影响是医疗保险制度实施效果评估的重要视角。文章基于2015年中国健康与养老追踪调查(CHARLS)数据,通过构建OLS模型和Logit模型,实证分析城镇居民医疗保险制度对参保人就医行为的影响。研究发现,城镇居民医疗保险制度显著改变了参保人的就医行为,不仅增加了参保人的就诊次数,同时还提高了参保人到非基层医疗机构就医的概率。此外,研究还发现,年龄、受教育程度、收入水平、婚姻状况、健康状况也是影响就医行为的重要因素,但这些因素的影响方向和影响程度存在差异性。The influence of medical insurance on the medical behavior of the insured is an important perspective for the effect evaluation of the medical insurance system. Based on the CHARLS(2015) data,this study analyzed the influence of the medical insurance system for urban residents on the medical behavior of the insured. And found that the medical insurance system for urban residents significantly changed the medical behavior of the insured,which not only increased the number of medical visits,but also increased the probability of the insured to seek medical treatment in non-primary medical institutions. In addition,this study also found that age,education level,income level,marital status and health status are also important factors affecting medical treatment behavior,but there are differences in the diRection and degree of these factors.

关 键 词：城镇居民医疗保险制度 就医行为 就医机构 就诊次数 效果评估 

分 类 号：F842.6[经济管理—保险] F840.684