农户参与医疗保险行为决策影响因素分析

An analysis of factors affecting medical insurance purchase behavior of rural households in China

本文基于"中国健康营养调查"(CHNS)数据,运用离散选择模型,对农户参与农村医疗保险的影响因素进行实证分析,试图从微观视角剖析影响我国农村医疗保险发展进程的原因。研究表明:年龄、婚姻、工作对农户参与农村医疗保险有正效用,但并不显著;从事家庭手工业和小型商业对农户参与医疗保险有显著的抑制作用;农户的健康自评状况对其参加医疗保险决策的影响不显著。

Based on the data of ＂China＇s Health and Nutrition Survey＂（CHNS）, this article applied the discrete choice model to analyze factors affecting rural households＇purchase of health insurance. The empirical results shows that China＇s rural medical insurance is positively, hut not significantly, affected by the age, marital status and employment. Farmers engaged in cottage industry and small business have little willingness to buy health insurance plans, and their self-assessment of health status do not affect their decision visibly.