卫生融资体系中基本医保与商业健康保险的关系——基于2003—2012年我国城镇地区的省级面板数据研究

Public and Private Health Insurance in Medical Expenditure Financing—An Analysis based on 2003-2012 China's Provincial Panel Data of Urban Areas

随着国民对健康和医疗服务需求的快速增长,我国医疗卫生费用融资体系面临着新挑战,而新医改政策的逐步实施,使得影响居民卫生费用融资结构的因素需要进一步探究。本文利用省级面板数据回归,结果显示:与之前预期的"挤出效应"不同,中国的基本医疗保险对商业健康保险是正向的促进作用;"新医改"、医疗服务供给能力和可及性的提高促进了商业健康保险的发展;医疗卫生消费与医疗保险的互补性特征对低收入群体更为明显;而我国老龄化背景下的医疗保障需求还没有得到很好满足。

With the accelerating demands for health and medical service of residents, our medical financing system faces new challenges. Due to the enforcement of New Medical Reform＇ s Policy, factors that would impact on healthcare financing need to be further studied. By using provincial panel data, our empirical study results were as follows： China＇ s social medical insurance positively correlated with private health insurance （ PHI）, in contrast to the crowding-out effect assumed in some literature. The medical reform and the enhanced supply and accessibility of social medical service promoted the consumption of PHI. Social medical service consumption could stimulate the buying of PHI for lower income groups. And the medical security coverage for the aging population is not well provided.