个人信息认知对医疗保障改革的影响

The Role of Consumer Knowledge on Medical Care Demand in China’s Health Care Reform

本文利用中国健康与营养调查数据(CHNS 2000—2006),从居民对医疗保障信息认知的角度讨论:(1)居民对医疗保障的信息认知如何影响其卫生医疗需求,从而影响和制约我国医疗保障政策效力的发挥;(2)影响居民获得医疗保障信息的宏微观因素。研究发现,对医保信息缺乏认知的城乡居民,在卫生医疗需求方面显著不足,从而当前卫生医疗改革的实施效果大打折扣;居民对医保信息的认知情况,不仅与微观个人特征相关,更多地取决于医改的公共政策。这些经验发现,为政府在新一轮医改中如何提高政策的实施效力提供了理论与现实依据。

Using data from CHNS 2000--2006, the paper examines （ 1 ） how consumer knowledge about health insurance impacts the demand for medical care, and （2） the macro and micro factors determining consumer health insurance knowledge. It is found that people lacking health insurance knowledge are significant less likely to use medical care, which subsequently weakens the effectiveness of public health insurance policies in China. Consumer health insurance information is not only related to individual characteristics, but also depends more on the public policies in health care reform.