健康冲击、医疗保险和家庭消费

Health Impact,Medical Insurance and Household Consumption

增强消费对经济增长的促进作用是中国推动经济高质量发展的必然要求,而健康冲击会显著影响家庭消费水平。医疗保险对于家庭健康的冲击的防范有着重要的作用,所以健康冲击、医疗保险和家庭消费有着显示意义。文章采用2018年CFPS数据库,实证研究了健康冲击、医疗保险和家庭消费之间的关系,主要结论如下:健康冲击会导致家庭消费水平显著降低(不包括医疗支出),城职保和城居保会促进家庭的消费,而新农合则对家庭消费有负向的影响。并且,城职保有利于缓解健康冲击对家庭消费的负向作用,而城居保和新农合则对此无明显作用。此外,健康冲击和医疗保险对家庭不同类型的消费,不同收入和城乡家庭的消费的影响存在异质性。

Promoting consumption and enhancing consumption's role in promoting economic growth is an inevitable requirement for China to promote high-quality economic development,and health impact will significantly affect household consumption level.Medical insurance plays an important role in preventing family health impact,so health impact,medical insurance and family consumption have important display significance.Based on the 2018 CFPS database,this paper empirically studies the relationship between health shock,medical insurance and household consumption.The main conclusions are as follows:health impact will lead to a significant decrease in household consumption level(excluding medical expenses),urban occupational insurance and urban residential insurance will promote household consumption,while the new rural cooperative medical system has a negative impact on household consumption.Moreover,the retention of urban employment is conducive to alleviating the negative effect of health impact on household consumption,while the urban residential insurance and the new rural cooperative medical system have no obvious effect on this.In addition,the impact of health impact and medical insurance on different types of household consumption,different incomes and consumption of urban and rural households is heterogeneous.