城乡医保统筹影响流动老人医疗服务利用、医疗负担及健康损耗的机制分析和实证检验

Mechanism Analysis and Empirical Testing of the Impact of Urban-rural Medical Insurance Coordination on the Utilization of Medical Services, Medical Burden and Health Loss of the Floating Elderly

  • 摘要: 利用中国健康与养老追踪调查(CHARLS)2013—2020年四期数据,采用固定效应模型实证城乡医保统筹对流动老人医疗服务利用、医疗负担及健康损耗的影响效应。研究结果表明:与新农合相比,城乡医保统筹提高了流动老人的就诊次数,降低了流动老人的医疗负担,并对流动老人的认知损耗有显著抑制作用,但未对其住院次数和行动损耗产生显著影响。通过工具变量法回归后,城乡医保统筹一定程度上降低了流动老人的行动损耗。进一步分析发现:城乡医保统筹对女性流动老人、有家庭照料的流动老人、健康状况较差的流动老人就诊次数和认知损耗的影响更大,也显著减少了无家庭照料流动老人的住院次数。基于此,提出相应对策建议。

     

    Abstract: Based on the data of the fourth phase of China Health and Pension Tracking Survey (CHARLS) from 2013 to 2020, the fixed-effect model was used to empirically explore the impact of urban and rural medical insurance pooling on the medical services, medical burden, and health loss of mobile elderly people of the floating elderly. The results showed that:Compared with the new rural cooperative medical care system (NRCMS), the pooling of urban and rural medical insurance increased the number of visits of the mobile elderly, reduced the medical burden of the mobile elderly, and significantly inhibited the cognitive loss of the mobile elderly, but did not have a significant impact on the number of hospitalization and mobility loss. After regression of instrumental variables, it was found that the pooling of urban and rural medical insurance reduced the mobility loss of the mobile elderly to a certain extent. Further analysis showed that: the urban and rural medical insurance pooling had a greater impact on the number of visits and cognitive loss of female migrant elderly, migrant elderly with family care and poor health, and also significantly reduced the number of hospitalization of migrant elderly without family care. Based on this, proposed corresponding countermeasures and suggestions.

     

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