城镇居民医疗保险收入再分配效应研究:基于江苏省的实证调查分析

Investigation and Analysis of Income Redistribution Effects of Medical Insurance for Urban Residents-based on an Empirical Investigation in Jiangsu Province

目的:探讨我国城镇居民医疗保险收入再分配效应,为政府制定医疗保障政策提供参考。方法:对江苏省南京、扬州、淮安的城镇居民进行问卷调查,研究医疗补贴在不同收入人群间的分布,运用Logistic回归分析方法测算居民获得医疗补贴的影响因素。结果:南京的城镇居民医疗保险收入再分配效应发挥相对好于扬州和淮安;年龄、健康状况、收入水平、对医保的了解程度和地区等因素会影响居民是否获得医疗补贴。结论:政府与市场协调,加大对弱势群体的保障和补助;重视预防保健,提高医疗补贴的补偿效率;开展好门诊大病统筹;加大医保政策的宣传等,有利于使城镇居民医疗保险更好地发挥收入再分配效应。

OBJECTIVE： To explore the income redistribution effect of medical insurance for urban residents in China, and to provide reference the formulation of medical insurance policies. METHODS： The questionnaire survey was conducted among urban residents from Nanjing, Yangzhou and Huai＇an to discuss the distribution of medical reimbursement for medical expenses among different income groups; Logistic regression analysis was used to estimate the influential factor of residents to obtain medical compensation. RESULTS： The income redistribution effect of medical insurance for urban residents in Nanjing was relatively better than in Yangzhou and Huai＇ an; the influential factors of medical reimbursement for medical expenses contained age, health situation, in- come level, the understanding of medical insurance and region, etc. CONCLUSIONS： In order to make medical insurance for ur- ban residents to exert the income redistributive effects, government should cooperate with the market to protect low-income groups to get medical services, improve financing mechanisms, pay attention to prevention and health care, improve the efficiency of medical reimbursement for medical expenses, carry out outpatient comprehensive arrangement for serious disease and reinforce advocacy for health insurance.