医疗保障对老年人家庭医疗负担的效应分析

Effects of Medical Insurance on Elders＇Family Medical Costs

根据2008年全国老年人口健康状况调查数据（CLHLS），实证分析医疗保障对老年人家庭医疗负担产生的经济影响，结果发现，医疗保障从整体上对老年人家庭医疗负担存在挤出效应，减轻了老年人的家庭医疗负担；医疗保障对老年人家庭医疗负担具有显著的城乡差异；医疗保障对老年人家庭医疗负担体现出群体性差异和非均衡性。出现这些情况，其根源在于医疗保障自身的运作机制以及医疗卫生制度存在各种弊病，建立公平、按需分配的医疗保障制度是根本出路。

According to CLHLS, empirical analysis of economic impacts of medical irtsurance on eiders＇ family medical costs, we discover that medical insurance has spillover effects on elders＇ family medical costs, reduce elders＇family medical costs, the gap between urban and rural residents exists, group distinction and non- equilibrium exist. The roots of these phenomena lie in internal operating system of medical insurance and the defects of medical systems. It is therefore proposed to establish a fair medical insurance system to satisfy the needs.