城镇基本医疗保险中逆向选择的检验
发布时间：2019-05-27 22:11
【摘要】：本文利用城镇居民基本医疗保险试点评估调查的数据,实证检验了我国城镇居民和职工基本医疗保险中的逆向选择问题。本文的实证结果证实了逆向选择的存在:在未被城镇职工基本医疗保险覆盖的城镇人群中,健康状况较差的个体更倾向于参加城镇居民基本医疗;城镇居民基本医疗保险的参保者接受门诊和住院服务利用率的概率更高;保险对住院服务利用率的影响大于对门诊的影响。另一方面,我们还发现在已被城镇职工基本医疗保险覆盖的人群中,健康状况较差的职工也更倾向于购买补充商业医保,但是健康状况最差的个体购买补充商业医保的概率最低,而购买商业医保后住院率显著增加。
[Abstract]:Based on the data of pilot evaluation survey of basic medical insurance for urban residents, this paper empirically tests the problem of adverse selection in basic medical insurance for urban residents and workers in China. The empirical results of this paper confirm the existence of adverse selection: in the urban population not covered by the basic medical insurance for urban workers, the individuals with poor health status are more likely to participate in the basic medical care of urban residents; The probability of receiving outpatient and inpatient service utilization rate of urban residents' basic medical insurance is higher, and the influence of insurance on the utilization rate of inpatient service is greater than that on outpatient service. On the other hand, we also find that among the people already covered by the basic medical insurance for urban workers, workers with poor health status are also more likely to buy supplementary commercial medical insurance. However, individuals with the worst health conditions were the lowest likely to buy supplementary commercial health insurance, while the hospitalization rate increased significantly after buying commercial health insurance.
【作者单位】： 西南财经大学公共管理学院;四川大学经济学院;北京大学光华管理学院;
【基金】：教育部人文社科项目(11YJC790257) 中央高校基本科研业务费资助
【分类号】：F842.6;F224
[Abstract]:Based on the data of pilot evaluation survey of basic medical insurance for urban residents, this paper empirically tests the problem of adverse selection in basic medical insurance for urban residents and workers in China. The empirical results of this paper confirm the existence of adverse selection: in the urban population not covered by the basic medical insurance for urban workers, the individuals with poor health status are more likely to participate in the basic medical care of urban residents; The probability of receiving outpatient and inpatient service utilization rate of urban residents' basic medical insurance is higher, and the influence of insurance on the utilization rate of inpatient service is greater than that on outpatient service. On the other hand, we also find that among the people already covered by the basic medical insurance for urban workers, workers with poor health status are also more likely to buy supplementary commercial medical insurance. However, individuals with the worst health conditions were the lowest likely to buy supplementary commercial health insurance, while the hospitalization rate increased significantly after buying commercial health insurance.
【作者单位】： 西南财经大学公共管理学院;四川大学经济学院;北京大学光华管理学院;
【基金】：教育部人文社科项目(11YJC790257) 中央高校基本科研业务费资助
【分类号】：F842.6;F224
【参考文献】
相关期刊论文 前5条
1 顾昕;;走向普遍覆盖:全民医疗保险面临的挑战[J];东岳论丛;2010年01期
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3 王s，
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