Effects of Medicare Insurance Pooling Reform for Employees on The Choice of Medical Institutions for Patients

Corresponding author: wangqiao, 3242747636@qq.com

DOI: 10.12201/bmr.202310.00006

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  Abstract: Improving the overall level of medical insurance can expand the coverage of the fund, but it may also lead to disorderly medical treatment for patients.Based on the five phase panel data of the China Family Follow up Survey (CFPS) from 2010 to 2020, this paper constructs a multi time point double difference model, and empirically analyzes the impact of the improvement of the overall level of employee medical insurance on patients choice of medical institutions and its transmission mechanism. The study found that the implementation of the provincial medical insurance plan for employees would lead to the upward movement of patients medical institutions, which is robustness; For high-income and healthy patients, the provincial-level coordination of employee medical insurance has led to a more significant upward shift in patient medical institutions, resulting in the unreasonable use of medical resources such as poor people subsidize the rich and unhealthy patients subsidize healthy patients; The analysis of the impact mechanism found that the improvement of the level of medical insurance overall planning led to the increase of the reimbursement ratio and the improvement of the medical environment, which led to the upward movement of patients medical institutions, while the moral hazard of the lower level government connived at the upward movement of patients medical institutions. Therefore, in the process of implementing the provincial overall planning, we should not only pay attention to preventing patients moral hazard, but also establish the medical insurance overall planning policy of power division and expenditure responsibility to deal with the moral hazard of the lower level government, so as to enable patients to seek medical care in an orderly manner and realize the reasonable allocation of medical resources.

  Key words: Medicare Insurance Pooling; Selection of Medical Institutions; Moral Hazard; Reverse Subsidy

  Submit time: 23 October 2023

  Copyright: The copyright holder for this preprint is the author/funder, who has granted biomedRxiv a license to display the preprint in perpetuity.
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  1	2023-06-12	bmr.202310.00006V1	Download

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