社会医疗保险对少儿家庭医疗负担的影响研究

The Impact of Social Medical Insurance on Children's Family Medical Burden

本文使用中国家庭动态追踪调查(CFPS)2014年的数据,研究了社会医疗保险对少儿家庭有关少儿的医疗负担的经济影响。从少儿家庭医疗负担的绝对值、相对值和少儿家庭发生大型医疗支出的概率三个角度选取相应指标,将样本分为城镇样本和农村样本,并分别运用两部模型、多元线性回归模型和Logit模型进行计量分析。结果表明:社会医疗保险能够显著地降低少儿家庭自付医疗支出的相对值,但对少儿家庭自付医疗支出的绝对值的影响存在明显的城乡差异,即对城镇样本的影响显著,而对农村样本的影响不显著;社会医疗保险对少儿家庭发生大型医疗支出的概率整体上来说无显著影响。应通过扩大社会医疗保险对少儿的保障范围、缩小城乡间医疗机构硬件设施和软件配置的差距以及呼吁少儿家庭采用社会医疗保险和商业医疗保险相结合的形式,帮助少儿家庭减轻医疗负担。

This paper uses data from the China Family Dynamic Tracking Survey（CFPS） in 2014 to study the economic impact of social medical insurance on the medical burden of children for children＇s families. From the three perspectives of absolute value and relative value of children＇s family medical burden and the probability of large-scale medical expenditures for children＇s families,the corresponding indicators were selected. The samples were divided into urban samples and rural samples. A two-part model,a multiple linear regression model and a Logit model were used respectively. The results show that social medical insurance can significantly reduce the relative value of children＇s household out-of-pocket health care expenditure,but there is a clear urban-rural difference in the impact on the absolute value of children＇s household out-of-pocket health care expenditure. The difference between them lies in that the impact on urban samples is significant,but the impact on rural areas is not significant; on the whole social medical insurance had no significant effect on the probability of large-scale medical expenses for children in the family. We should help children＇s family reduce the medical burden by expanding the social medical insurance coverage,narrowing the gap of hardware facility and software configuration of medical institutions between the urban and the rural,appeal to children＇s family to adopt the combination of social medical insurance and commercial medical insurance.