医疗保险与城乡反贫困:1989-2006

Health Insurance and Anti-poverty in Urban and Rural Areas:1989-2006

文章利用中国健康与营养调查(CHNS)数据,估计了1989-2006年医疗保险对中国城乡家庭的反贫困效应。结果发现:发生灾难性卫生支出的城乡家庭比例较高,最穷的群体其医疗费用超过收入的比例增加,医疗保险对减少收入不平等只起到微弱作用。TIP贫困曲线表明,近几年,医疗保险补偿后,城乡患病家庭的贫困并没有减轻,医疗保险在减少贫困上的作用很小。分析贫困特征的多元回归模型显示,家庭成员数量、教育程度、抚养比率、参保人数等都影响了贫困,而条件多元回归模型则显示,医疗保险对贫困的变动没有影响。

This paper estimates anti-poverty effects of health insurance on the urban and rural households in China from 1989 to 2006 based on data of China Health and Nutrition Surveys （CHNS）. The results indicate that the portion of urban and rural households that have catastrophic health care expenditures is quite high and the percentage of the poorest group whose health expenses exceed income has increased. Health insurance has a weak effect on shortening the income gap. TIP poverty curves show that, in re- cent years poverty in urban and rural households suffering from illness has not eased off markedly after they has been compensated and health insurance has little impact on alleviating poverty. Regression Models of determination of poverty reveal factors including household size, education, dependency ratio and health insurance affect poverty. Conditional regression model witnesses health insurance has little impact on changing poverty.