延迟退休意愿、医疗服务利用与健康收益

Delayed Retirement Intention,Medical Service Utilization and Health Benefits

本文通过理论分析以及采用模糊断点回归和工具变量法证明并检验了不同延迟退休意愿个体的医疗服务利用决策差异及其健康收益变动。研究发现,在延迟退休政策尚未全面实施,强制退休仍发挥作用的背景下,由于预期不一致,相对于无延迟退休意愿个体,有延迟意愿个体在退休前后医疗消费平滑过渡,这不是延后就诊的结果,而是提前进行健康投资的作用。进一步研究表明,延迟退休意愿有着明显的医疗控费效果,且增加了个体健康收益。

Through theoretical analysis,fuzzy regression discontinuity and instrumental variable method,we test and prove the decision-making of medical service utilization and the change of health benefits of individuals with different delayed retirement intentions.Under the background that the delayed retirement policy has not been fully implemented and compulsory retirement still plays a role,due to inconsistent expectations,the medical consumption of the individuals with delayed retirement intentions smoothly transitions before and after retirement compared with individuals without delayed retirement intentions,which is not the result of delayed medical treatment,but the role of health investment in advance.Furthermore,delayed retirement intention has a significant effect of medical cost control,and increases individual health benefits.