长期护理保险对老年人医疗负担的影响研究

Impact of long-term care insurance on the medical burden of the elderly

目的:基于健康生态学理论,探讨长期护理保险政策的实施对老年人医疗负担的影响,为优化长期护理保险政策设计和实现提供参考。方法:选取CHARLS 2018年数据库5161个样本,运用OLS回归方法探究长期护理保险与老年人医疗负担之间的关系。结果:长期护理保险显著减少了参保老人的住院频次、自付住院费用以及门诊频次;长期护理保险主要减轻了轻度失能、收入水平较高老年人群的医疗负担。结论:扩大政策覆盖范围、加强护理服务供给、关注弱势群体与推动智慧养老建设是优化长期护理保险制度、减轻老年人医疗负担的有效举措。

Objective:Based on the theory of health ecology,this study explores the impact of long-term care insurance policies on the medical burden of the elderly,providing references for optimizing the design and implementation of long-term care insurance policies.Methods:The study selected 5,161 samples from the CHARLS 2018 database and used OLS regression to investigate the relationship between long-term care insurance and the medical burden of the elderly.Results:Long-term care insurance significantly reduced the hospitalization frequency,out-of-pocket hospitalization expenses,and outpatient visits for insured elderly individuals.The insurance mainly alleviated the medical burden for the mildly disabled and higher-income elderly populations.Conclusion:Expanding policy coverage,strengthening care service supply,focusing on vulnerable groups,and promoting smart elderly care are effective measures to optimize the long-term care insurance system and reduce the medical burden on the elderly.