城镇居民医疗保险对我国中老年人健康影响研究

Study about the Impact of Urban Residents Medical Insurance on the Elderly's Health

该文利用中国健康与养老追踪调查(CHARLS)2013年数据,采用有序Logit模型法研究城镇居民医疗保险对我国中老年人健康的影响。研究发现,我国中老年人城居保参保人群的健康状态劣于未参保人群。这可能是由于逆向选择和道德风险的存在而导致。为了更好地实现"长寿且健康地活着"目标,需要进一步完善城居保制度。

We use ordered Logit model to study the impact of Urban Residents Medical Insurance on the elderly’s health with the data of China Health and Retirement Longitudinal Study in 2013.Our research find that the health of the elderly who attend Urban Residents Medical Insurance is worse than the uninsured population,which may be due to the existence of adverse selection and moral hazard. In order to achieve the goal of ＂live a long and healthy life＂, we need to improve the Urban Residents Medical Insurance system.