中国农业居民医疗保险需求及其影响因素分析

The commercial medical insurance demands of rural residents and influencing factors

本文基于2006年的微观横截面数据,运用似不相关二维probit模型与工具变量,分析了我国农业居民医疗保险需求及其影响因素,并着重考察了新型农村合作医疗保险与商业医疗保险之间的关系。研究的主要结论:一是参加新型农村合作医疗对乡村农业居民购买商业医疗保险有较显著的刺激作用;二是教育水平、年龄、居住省份、职业对乡村农业居民是否参加新型农村合作医疗有显著影响;职业、家庭规模和地区经济发展水平对乡村农业居民是否购买商业医疗保险有显著影响;三是在乡村农业居民是否参加新型农村合作医疗的决策中观测到逆向选择的行为。

Based on the 2006 micro cross-sectional data, this paper utilized the Seemingly Unrelated Bivariate Probit Model and instrumental variables to analyze the medical insurance demands of rural residents and determinants of the demand. The paper also examined the relationship between the commercial medical insurance and the New Rural Cooperative Healthcare Scheme. The research revealed that, firstly, owning a cooperative health insurance plan could significantly stimulate the demands for commercial health insurance;secondly, education level, age, residence, and profession determined whether the rural residents wanted to join the cooperative heahhcare scheme or not to a large extent;and thirdly, the research detected the tendency of adverse selection in rural residents＇ participation to the cooperative scheme.