通讯作者: 李慧慧, huihli@163.com

DOI：10.12201/bmr.202310.00005

Medical Insurance for Urban and Rural Residents, Health and Utilization of Medical Services for the Elderly:An Evidence from Five Waves of CLHLS Data

• 摘要：医疗保险作为我国社会保险制度的重要组成部分,其能否有效改善参保人的健康水平及医疗服务利用状况一直是国内外学者们争论的焦点。基于2005-2018年间中国老年健康影响因素跟踪调查(CLHLS)的五期平衡面板数据,运用固定效应模型及系统GMM方法,分析城乡居民医保对参保老年人健康水平及医疗服务利用状况的影响。研究发现,参加城乡居民医保并不能有效改善老年人的健康水平,但却可以改善他们的医疗服务利用状况,且对身体健康状况出现恶化的老年人影响更大。基于此,本文认为我国城乡居民医保制度的实际效果与其预期目标间仍存在着一定的差距,在我国医保扩面工作已取得长足进展的基础上,未来我国的城乡居民医保制度建设应将重心转移至提高保障水平、实现可持续发展上,提升城乡居民医保的补偿待遇,重视发挥医保的疾病预防作用。

  关键词： 城乡居民医保；老年人健康；医疗服务利用; ; 

   

  Abstract: Medical insurance is an important part of Chinas social insurance system. Whether it can effectively improve the health level of the insured and the utilization of medical services has been the focus of debate among scholars at home and abroad. Based on the three waves balanced panel data of the Chinese Longitudinal Healthy Longevity Survey(CLHLS) from 2005 to 2018, the time-fixed effect model and system GMM method is used to analyze the effects of the medical insurance for urban and rural residents on the health level and medical service utilization of the insured elderly. The study shows that participating in medical insurance for urban and rural residents could not effectively improve the health level of the elderly, but could improve their utilization of medical services, and the effect is greater for the elderly whose health has deteriorated. Based on this, the paper argues that there is still a certain gap between the actual effect of the medical insurance system for urban and rural residents and its expected goals. On the basis of the great progress made in expanding the coverage of medical insurance, the construction of the medical insurance system for urban and rural residents in the future should shift the focus to improving the level of security and realizing sustainable development. , improving the compensation of medical insurance, and attaching importance to the disease-prevention role.

  Key words: Medical Insurance for Urban and Rural Residents; Elderly Health; Utilization of Medical Services

  提交时间：2023-10-23

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• 序号	提交日期	编号	操作
  1	2023-06-19	bmr.202310.00005V1	下载

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