“惠民保”对居民医疗消费的影响研究——基于CFPS数据的实证分析  

Effect of“Huimin Insurance”on Residents'Medical Consumption Expenditure--Empirical Analysis Based on CFPS data

作　　者：胡德宝[1] 周家玉 周晨凯 Hu Debao;Zhou Jiayu;Zhou Chenkai(International School,Renmin University of China,Beijing,100872;National University of Singapore,Singapore,119077)

机构地区：[1]中国人民大学国际学院,北京100872 [2]新加坡国立大学,新加坡119077

出　　处：《福州大学学报（哲学社会科学版）》2024年第5期16-27,170,共13页Journal of Fuzhou University(Philosophy and Social Sciences)

基　　金：教育部人文社会科学研究规划基金项目“‘双循环’新发展格局下数字金融促进居民消费升级机制及政策研究”(22YJA790023)。

摘　　要：为缓解医保基金和个人支付压力,我国政府鼓励发展补充医疗保险和商业健康保险,“惠民保”应运而生,其设立的初衷是填补医保基金保障空白,缓解居民医疗费用负担,减少家庭因病致贫。基于中国家庭追踪调查CFPS数据,采取PSM-DID方法可以检验“惠民保”推出对居民自付医疗费用负担的影响。回归结果显示,其推出能使居民自付医疗费用降低17%左右,有效减轻居民医疗费用负担,“惠民保”通过降低家庭风险、放松预算约束等机制实现了这一目标。从异质性分析结果来看,“惠民保”对乡村的影响大于对城镇的影响,对高收入组和中收入组的影响大于对低收入组的影响,对西部地区影响大于东部地区。因此在产品设计上要适当扩大“惠民保”的保障范围,丰富保障内容,在产品运营上加快推广,扩大产品覆盖面,把握商业健康险科普机会,发掘更多潜在客户,提供更多增值服务,防止“死亡螺旋”问题发生。To alleviate the pressure on the health insurance fund and individual payments,the Chinese government encourages the development of supplementary medical insurance and commercial health insurance.Huimin Insurance was created with the original intention of filling the gaps in the health insurance fund coverage,easing the burden of medical expenses on residents,and reducing the incidence of households falling into poverty due to illness.This paper uses CFPS data from the Chinese Household Tracking Survey to test the impact of the launching of Huimin Insurance on residents burden of out-of-pocket medical expenses using the PSM-DID method.Empirical regression results show that the launching of Huimin Insurance can reduce residents'out-of-pocket medical expenses by 17%,effectively reducing the burden of medical expenses on residents.Huimin Insurance achieves this result by mechanisms such as reducing family risks and relaxing budget constraints.According to the results of heterogeneity analysis,the impact on rural areas is greater than that on towns,and the impact on high-income and middle-income groups is greater than that on low-income groups.The impact on western regions in China is greater than that on eastern regions in China.In conclusion,the following suggestions are proposed:in terms of product design,it is recommended to appropriately expand the coverage and enrich the content of the insurance;in terms of product operation,it is recommended to accelerate the promotion,seize the opportunity to explain commercial health insurance to the public,explore more potential customers,provide more value-added services,and prevent the occurrence of the death spiral problem.

关 键 词：惠民保 自付医疗消费 降低风险 预算约束 商业健康保险 

分 类 号：F842[经济管理—保险] R197.1[医药卫生—卫生事业管理]