医疗保险与中老年人的健康状况——兼论生活方式的中介作用

Association between Medical Insurance and Present Health Status among Elderly: The Study on Media Mechanism of Life Style

基于我国老年人健康状况不佳的现实情况,本文使用CHARLS数据探析早期医疗保险与中老年人健康状况间关系并进行稳健性检验,随后以Sobel法分析生活方式在两者间的中介作用。研究发现:(1)早期医疗保险与中老年人健康状况间关系显著,早期参加医疗保险的中老年人健康状况要显著好于未参保个体,稳健性检验结果支持这一研究发现;(2)生活方式的中介作用显著,早期参加医疗保险的受访者更愿意加强身体锻炼、改善饮食习惯等从而显著改善健康状况。因此,首先应尽早构建国民健康保险体系,其次需重点关注早期未参保群体,最后是积极宣传良好生活方式的健康改善作用。

Along with urgent health demands,this study uses data from CHARLS to explore the relationship between medical insurance status in earlier life stage and individuals’present health status.Furthermore,this study uses some methods to make robustness test.And then,this study tries to test the mediation effects of life styles by Sobel methods.This study finds that(i)significant associations existed between earlier medical insurance status and present heath status among elderly.Compared with individuals without medical insurance,elderly who participated in medical insurance at earlier stages are now with better health status.(ii)Life styles played a significantly mediating role in the association between earlier medical insurance and present health status.People who had medical insurance status in earlier life stage were more likely to strengthen physical exercise,change eating habits that significantly improves present heath status among elderly.Thus,this study proposes three tips to promote further health security.First,governments should support the studies aiming to establish the national health insurance.Second,individuals without medical insurance at their earlier life stages should be put into priority in present medical insurance system.Finally,we should actively promote the effects of healthy lifestyle.