医疗保险制度对收入分配的影响——基于陕西省的分析

发布时间：2018-04-11 17:19

本文选题：医疗保险 + 收入再分配　；参考：《中国人口科学》2017年03期

【摘要】：文章以陕西省城乡居民为研究对象,使用洛伦兹曲线和基尼系数等指标,运用平衡预算归宿方法,从医疗保险缴费和受益两个方面测算了医疗保险制度对收入分配的影响及其变化。研究发现,总体上医疗保险制度不但没有发挥调节收入再分配的作用,反而存在低收入群体补贴高收入群体的"逆向再分配"现象。虽然医疗保险缴费额与收入成正比,但在报销医疗费方面低收入群体的数额更低,医疗保险的综合效应没有改善低收入群体的状况,并且农村医疗保险的公平性更低。因此,为缩小收入差距,实现筹资公平和受益均等,应统筹城乡医疗保险发展,增加对弱势群体的补贴和照顾,满足不同群体的医疗需求。
[Abstract]:This paper takes the urban and rural residents of Shaanxi Province as the research object, using the Lorentz curve and Gini coefficient, and using the balanced budget method.The influence of medical insurance system on income distribution and its changes are estimated from the two aspects of medical insurance contribution and benefit.On the whole, the medical insurance system has not only failed to regulate income redistribution, but also has the phenomenon of "reverse redistribution" that low-income groups subsidize high-income groups.Although the amount of medical insurance contribution is proportional to income, the amount of low-income group is lower in reimbursement of medical expenses, the comprehensive effect of medical insurance does not improve the situation of low-income group, and the equity of rural medical insurance is lower.Therefore, in order to narrow the income gap, realize the equity of financing and benefit equality, we should coordinate the development of urban and rural medical insurance, increase the subsidies and care for the vulnerable groups, and meet the medical needs of different groups.
【作者单位】：东北财经大学财政税务学院;东北财经大学社会与行为跨学科研究中心;
【基金】：辽宁省高校创新团队支持计划“财政理论与政策、社会保障与收入分配”(编号:WT2015003)的阶段性成果
【分类号】：F126.2;F842.684

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