参加商业医疗保险对中老年家庭消费的影响——基于CHARLS数据的实证分析

The Impact of Participating Commercial Medical Insurance on the Household Consumption of the Middle-Aged and Elderly:An Empirical Analysis Based on CHARLS Data

基于2013年和2015年两期CHARLS数据,运用倾向匹配得分双重差分法(PSM-DID)实证分析参加商业医疗保险对中老年家庭消费的影响。结果表明:在拥有基本医疗保险的基础上,参加商业医疗保险能够减少家庭医疗开支并有效刺激中老年家庭非医消费。样本异质性分析显示,参加商业医疗保险不仅能够有效减少身体状况较差家庭的医疗支出,而且对农村及老年家庭非医消费具有显著的刺激作用。基于实证结果,提出构建多层次医疗保险体系、探索商业医保与扶贫相结合和开发多样化商业医保产品等对策建议。

Based on the CHARLS data of the two issues of 2013 and 2015,this paper employs the PSM-DID method to conduct an empirical analysis of the impact of participating commercial medical insurance on the household consumption of the middle-aged and elderly.The results show that,on the basis of basic medical insurance,to participate in commercial medical insurance can reduce the family medical expenses and effectively stimulate the non-medical consumption of the middle-aged and elderly families.The findings of a sample heterogeneity analysis show that participating in commercial medical insurance can not only effectively reduce the medical expenditure of the families with poor health,but also stimulate the non-medical consumption of the rural and elderly families.Based on the empirical results,this paper puts forward some countermeasures and suggestions,such as building a multi-level medical insurance system,exploring the combination of commercial medical insurance and poverty alleviation,and developing diversified commercial medical insurance products,etc..