医疗保险对流动人口灾难性医疗支出的影响

发布时间：2018-01-28 03:20

本文关键词： 灾难性医疗支出流动人口医疗保险　出处：《中国人口科学》2016年06期 　论文类型：期刊论文

【摘要】：文章利用2014年流动人口动态监测调查数据,运用Probit和Heckprobit模型,验证了基本医疗保险参保对流动人口灾难性医疗支出的影响。研究结果表明,参加医疗保险可以显著降低流动人口灾难性医疗支出的发生率;城镇医疗保险对灾难性医疗支出发生率的降低作用强于新型农村合作医疗;医疗保险报销比例越高,灾难性医疗支出发生率越低。因此,文章建议在确保流动人口医疗保险普遍参保的基础上,为流动人口中的灵活就业人群提供更多城镇职工医疗保险,从而提升保障水平、有效降低灾难性医疗支出。同时进一步完善农村医疗保险的转移接续政策,使流动人口真正享受到医疗保险带来的实惠。
[Abstract]:Based on the survey data of floating population dynamics in 2014, Probit and Heckprobit models are used in this paper. The effects of basic medical insurance on the catastrophic medical expenditure of floating population are verified. The results show that participating in medical insurance can significantly reduce the incidence of catastrophic medical expenditure of floating population. The effect of urban medical insurance on the incidence of catastrophic medical expenditure is stronger than that of the new rural cooperative medical system. The higher the proportion of medical insurance reimbursement, the lower the incidence of catastrophic medical expenditure. For the floating population of flexible employment to provide more urban staff and workers medical insurance, so as to improve the level of security, effectively reduce catastrophic medical expenditure. At the same time, further improve the transfer of rural medical insurance policy. So that the floating population really enjoy the benefits of medical insurance.
【作者单位】：南开大学金融学院;南开大学中国特色社会主义经济建设协同创新中心;
【分类号】：F842.684;R197.1
【正文快照】： 目前中国城镇化处于快速发展阶段,流动人口规模持续增加。国家统计局提供的数据显示,2010年中国流动人口为2.21亿人,2014年增长到2.53亿人,年均增长800万人,年均增长率为3.39%。根据城镇化、工业化进程和城乡人口变动趋势预测,2020年中国流动人口将逐步增长到2.91亿人,年均增

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