医保渐进式整合对家庭消费的影响研究——基于多期DID的准自然实验

Study on the impact of the gradual integration of medical insurance on household consumption:a quasi-natural experiment based on multi-period DIDs

以城乡居民基本医疗保险的渐进式整合为视角,基于中国劳动力动态调查数据构建多期DID准自然实验,探究医保整合对居民家庭消费的影响及其相关机制,结果显示:相对于家庭总消费,城乡居民医保整合对家庭非医疗消费的促进效应更显著,且该政策效应具有短期性;城乡居民医保整合能通过增加家庭总收入促进家庭消费,还能调节患病群体与健康群体之间的健康风险,减少医疗支出的不确定性,进而释放家庭消费。由此,应进一步完善我国新时期医疗保障制度,通过继续推进医疗保障体系整合扩面,建立城乡居民医保筹资动态调整机制,构建以健康为中心的医疗保障体系,释放消费潜力,为经济发展赋能。

This paper takes the perspective of the gradual integration of urban and rural residents’basic medical insurance and constructs a multi-period DID quasi-natural experiment based on China’s Labor Force Dynamics Survey data to explore the impact of medical insurance integration on household consumption and its related mechanisms.The results show that compared to total household consumption,the promotion effect of medical insurance integration on non-medical consumption of urban and rural residents is more significant,and this policy effect is short-term.The integration of medical insurance for urban and rural residents can promote household consumption by increasing total household income.It can also regulate the health risks between the sick group and the healthy group,reduce the uncertainty of medical expenditure,and thus unleash household consumption.Therefore,it is necessary to further improve China’s new era medical security system by continuing to promote the integration and expansion of the medical security system,establishing a dynamic adjustment mechanism for the financing of urban and rural residents’medical insurance,and constructing a health-centered medical security system to unleash consumption potential and empower economic development.