城乡医保整合后居民参保水平选择及影响因素研究

Study on the Selection of Insurance Premium Level of Residents and the Influencing Factors after the Integration of Urban and Rural Medical Insurance

目的:了解城乡医保整合后居民的参保水平选择情况并分析其影响因素。方法:对可能影响居民参保水平选择的因素进行单因素卡方检验和多因素logistic回归分析。结果:选择低水平参保的居民较多,户口、年龄、人均年收入、文化程度、职业类型和自评健康是其主要影响因素。结论:"一制两档"筹资模式的局限性、整合中的政策引导缺失和居民经济条件的制约影响了居民参保水平的选择。建议整合两个参保水平,加大居民医保政策的宣传力度,加快农村经济发展。

Objective： To investigate the selection of insurance premium level of residents after the integration of urban and rural medical insurance systems and its influencing factors. Methods： Chi-square test anti logistic regression model were applied to analyze the determinants for the selection of premium level. Results： There were a plenty of residents with low insurance premium level. Residence registration, age, average annual income, education, occupation and self-rated heahh were the main influencing faclors. Conclusion： The limit of the financing model, the lack of the integrated policy guidance and the restraint of the residents＇ economic conditions effected the selection of resident insurance premium level. It suggested the insurance premium levels of integration, enhance the publicity of medical insurance policy and promote the development of rural economy.