通讯作者: 李雅楠, ya_nanli@163.com

DOI：10.12201/bmr.202204.00008

Research on the Choice of Medical Insurance Types for Workers in New Employment Forms：Evidence from the floating population

• 摘要：平台经济、数字经济的蓬勃发展带动大量就业,参与其中的新就业形态劳动者的劳动特点明显区别于传统业态,因此当下依托正规经济建立起来的社会保险制度并不能为该群体提供完整、有效的保障,这一问题已引起多方关注。在此背景下,分析影响其作出参加医疗保险决策的主要因素,将有助于研判如何为该群体提供更有效、全面的保障。本研究使用“2017年流动人口动态监测调查”数据,以新就业形态劳动者为研究对象,依据其就业特征提取关键要素,采用二项Logit模型进行回归并进行夏普利分解,考察个体特征、工作特征以及社会特征对于该群体中已参加医疗保险人员保险类型选择的影响效应。结果显示：就业更稳定、工作更接近正规就业的新就业形态劳动者更倾向于参加职工保险,其中工作特征的影响效应更强,说明雇主责任不明晰仍是该群体获得公平保障的难点所在。

  关键词： 医疗保险; 新就业形态; 类型选择; 健康保障

   

  Abstract: The vigorous development of the platform economy and the digital economy has led to a large number of jobs. The labor characteristics of the new employment forms are clearly different from those of traditional businesses. Therefore, the current social insurance system established on the basis of the formal economy cannot provide this group with a complete and effective guarantee, which has aroused many concerns. In this context, analyzing the main factors that affect their decision to participate in medical insurance will help determine how to provide more effective and comprehensive protection for this group. This paper uses data of the 2017 Floating Population Dynamics Monitoring Survey, and takes new employment forms of workers as the research object, extracts key elements based on their employment characteristics, uses the binomial Logit model to perform regression and performs Sharpley decomposition to examine the influence of individual, work, and social characteristics on the choice of insurance types for the people who have participated in medical insurance in this group. The results show that workers under new forms of employment with more stable employment and work closer to formal employment are more inclined to participate in employee insurance. Among them, the impact of job characteristics is stronger, indicating that the unclear employers responsibility is still difficulty for this group to obtain fair protection.

  Key words: medical insurance, new forms of employment, medicare choice, health promotion; ; ; 

  提交时间：2022-04-24

  版权声明：作者本人独立拥有该论文的版权，预印本系统仅拥有论文的永久保存权利。任何人未经允许不得重复使用。
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• 序号	提交日期	编号	操作
  1	2021-12-15	bmr.202204.00008V1	下载

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