| 引用本文: |
蒿思宇,王越,毛宗福.商业健康保险对基本医疗保险基金支出的影响分析*[J].中国卫生经济,2023,42(5):41-44,53.[点击复制] |
HAO Si-yu,WANG Yue,MAO Zong-fu.Research on the Impact of Commercial Health Insurance on Basic Medical Insurance Fund Expenditure[J].CHINESE HEALTH ECONOMICS,2023,42(5):41-44,53.[点击复制] |
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| 摘要: |
| 目的：探究商业健康保险对基本医疗保险(以下简称医保)基金支出的影响。方法：基于我国31个省份2012— 2019年的面板数据，采用系统GMM模型与工具变量法进行检验。结果：商业健康保险在10%的水平上显著减少基本医保基金的支出，且影响效应呈现出东部地区＞中部地区＞西部地区的地区差异性。结论：商业健康保险有利于分担基本医保基金的支出压力；影响机制可能与商业健康保险的产品设计，以及患者的消费倾向性有关。 |
| 关键词: 商业健康保险 基本医疗保险 基金支出 影响分析 |
| DOI： |
| 投稿时间：2023-02-15 |
| 基金项目:国家医疗保障局课题项目(2021015号) |
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| Research on the Impact of Commercial Health Insurance on Basic Medical Insurance Fund Expenditure |
| HAO Si-yu,WANG Yue,MAO Zong-fu |
| () |
| Abstract: |
| Objective: To explore the impact of commercial health insurance on the expenditure of basic medical insurance fund. Methods: Based on the panel data of 31 provinces in China from 2012 to 2019，the systematic GMM model and tool variable method were applied in the test. Results: Commercial health insurance significantly reduced the expenditure of basic medical insurance fund at the level of 10 %，and the impact effect showed regional differences ranged by eastern，central and western regions. Conclusion: Commercial health insurance is conducive to sharing the expenditure pressure of the basic medical insurance fund. The impact mechanism may be related to the protection level of commercial health insurance and the consumption tendency of patients. |
| Key words: commercial health insurance basic medical insurance fund expenditure impact analysis First-author's address School of Public Health Wuhan University Wuhan430071 China |
