“城居保”能减轻健康冲击的影响吗

发布时间：2018-04-14 00:09

本文选题：健康冲击 + 城镇居民　；参考：《金融经济学研究》2017年04期

【摘要】：利用CHNS数据检验健康冲击对中国城镇居民家庭消费支出的影响,以及城镇居民基本医疗保险是否能减轻这种影响。基于一阶差分方法对总体样本的回归结果显示,健康冲击对居民食物消费、医疗支出的波动较显著,城居保大部分能显著地平滑这种波动;健康冲击对居民教育支出的波动不显著,城居保的平滑作用也不明显。按不同家庭收入水平分组的回归结果显示,中高收入家庭的食物消费受到健康冲击的影响比低收入家庭少,城居保起到的平滑作用也没有低收入家庭明显;健康状况变差导致居民自付医疗费用显著增加,城居保有效减轻了这种影响,且在低收入参保家庭中效果更为明显。
[Abstract]:CHNS data is used to test the impact of health shock on household consumption expenditure of Chinese urban residents and whether the basic medical insurance of urban residents can mitigate the impact.The regression results of population samples based on the first order difference method show that the health shock has a significant impact on the residents' food consumption and medical expenditure, and most of the urban housing insurance can smooth the fluctuation significantly.The fluctuation of health impact on residents' education expenditure is not significant, and the smoothing effect of urban housing insurance is not obvious.According to the regression results of different household income levels, the food consumption of middle and high income families is less affected by health impact than that of low-income families, and the urban housing insurance plays a less smooth role than low-income families.The deterioration of health status leads to a significant increase in the residents' out-of-pocket medical expenses, which is effectively mitigated by urban housing insurance, and is more effective in low-income insured families.
【作者单位】：中央财经大学保险学院;
【基金】：教育部人文社会科学基金项目(12YJA630011) “中央高校基本科研业务费专项资金” “中央财经大学科研创新团队支持计划”资助
【分类号】：F842.684;R197.1

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