医疗保险提高灵活就业人员幸福感了吗?——来自CLDS数据的证据  

HadHealth Insurance Improved the Happiness of People in Flexible Employment?--Evidence from CLDS data

作　　者：戈银庆[1] 李馨仪 GE Yinqing;LI Xinyi(School of Management,Northwest Normal University,Lanzhou 730070,China)

机构地区：[1]西北师范大学管理学院,兰州730070

出　　处：《兰州交通大学学报》2024年第4期53-61,共9页Journal of Lanzhou Jiaotong University

基　　金：国家自然科学基金地区项目“随机动态死亡率模型的统计性质及应用研究”(12061066)。

摘　　要：医疗保险作为我国社会保障制度的一项重要内容,能否提升灵活就业人员的幸福感是检验其效用的重要标尺之一。基于2018年的中国劳动力动态调查(CLDS)数据,运用普通最小二乘(OLS)研究医疗保险对灵活就业人员幸福感的影响,研究结果显示:基本医疗保险显著提升了灵活就业人员的幸福感,医疗保险对不同收入、年龄、家庭规模的灵活就业人员幸福感的影响呈现一定的异质性。为了更好地发挥医疗保险的功能、提升灵活就业人员的幸福感,政府应鼓励参保,适当降低缴费比例,加强医疗保险政策的宣传和解读。As an important part of China's social security system, whether medical insurance can improve the happiness of flexible employees is one of the important yardsticks to test its effectiveness. Based on the data of the 2018 China Labor Force Dynamics Survey(CLDS),the impact of medical insurance on the happiness of flexible workers was studied by using ordinary least squares(OLS),and the results showed that basic medical insurance significantly improved the happiness of flexible employees, and the impact of medical insurance on the happiness of flexible workers with different incomes, ages and family sizes showed a certain heterogeneity.In order to well play the function of medical insurance and improve the happiness of flexible employees, the government should encourage insurance participation, appropriately reduce the proportion of contributions, and strengthen the publicity and interpretation of medical insurance policies.

关 键 词：医疗保险 灵活就业人员 幸福感 

分 类 号：F840.684[经济管理—保险]