| 摘要: |
| 基于中国健康与养老追踪调查在2011、2013、2015和2018年的四期面板数据，本文利用地级市层面实施大病保险的时间差异，采用双重差分法实证分析大病保险制度对农村中老年居民医疗费用负担的影响，并从不同年龄层和收入两个角度对制度的实施效应进行异质性分析。研究发现：大病保险使农村中老年人的住院自付费用有效降低14.4个百分点，有助于医疗费用负担的减轻；大病保险的实施对中年人群体和中等收入群体的效果尤为显著，但对老年人群体、低收入群体和高收入群体的影响有限。据此，未来需要进一步完善制度设计，减少弱势群体的医疗费用负担。 |
| 关键词: 大病保险；医疗自付费用；双重差分 |
| DOI： |
| 分类号:F840.684 |
| 基金项目: |
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| A Study on the Impact of Critical Illness Insurance System on Medical Expenditures Burden for Middle-aged and Older Adults in Rural Areas |
|
LI Jiao-si
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College of Arts and Sciences，University of South Florida
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| Abstract: |
| Based on the panel data of the China Health and Retirement Longitudinal Study in 2011，2013，2015 and 2018，this study empirically analyzes the impact of critical illness insurance system on medical expenditures burden for rural middle-aged and older residents by using the difference-in-differences method，and analyzes the heterogeneity of the implementation effect of the system from different age groups and incomes.The findings：the critical illness insurance effectively reduces the out-of-pocket inpatient expenditures for middle-aged and older adults in rural areas by 14.4 percentage points，which helps to reduce the burden of medical expenses.The implementation of critical illness insurance has a significant effect on middle-aged and middle-income groups，but it has a limited impact on the elderly，low-income groups，and high-income groups.Accordingly，in the future，it is necessary to further improve the system design and reduce the burden of medical expenses for vulnerable groups. |
| Key words: Critical Illness Insurance;Out-of-pocket Medical Expenditures; Difference-in-Differences |
