医疗保险缓解中老年家庭医疗负担的效果分析

Analysis of the Effect of Medical Insurance on Relieving the Medical Burden of Middle-Aged and Elderly Households

基于2015年CHARLS微观数据,在控制样本选择偏误的条件下,实证分析了医疗保险对中老年人家庭绝对医疗负担和相对医疗负担的效果。医疗保险对家庭绝对医疗负担有缓解作用,但对相对医疗负担几乎没有缓解作用。按照保险类型来看,医疗保险可以降低城乡居民医疗保险家庭的绝对医疗负担和城镇职工医疗保险家庭的相对医疗负担,稳健性检验得出结论基本一致。据此,提出采用分类管理的措施来降低中老年家庭医疗负担,通过财政补贴来缩小城镇职工医疗保险与城乡居民医疗保险的待遇差距,最后实现两项制度并轨的政策建议。

Based on the 2015 CHARLS microdata,under the condition of controlling sample selection bias,this paper analyzes the impact of medical insurance on the absolute medical burden and relative medical burden of middle-aged and elderly households.It is concluded that medical insurance has a mitigating effect on the absolute medical burden of the households,but it has almost no effect on the relative medical burden.According to the type of insurance,medical insurance can reduce the absolute medical burden of households with Medical Insurance for Urban and Rural Residents(MIURR)and the relative medical burden of households with the Urban Employee Basic Medical Insurance(UEBMI);the results of robustness tests are very similar.Based on this,the paper proposes to adopt the measures of classified management to reduce the medical burden of middle-aged and elderly households,and to reduce the treatment gap between the UEBMI and the MIURR through financial subsidies,with the final target of integrating the two systems in the future.