城乡差异视角下医疗保险的隐性福利估值及机制研究——基于CGSS主观幸福感数据的实证分析
Research on Valuation of Implicit Welfare and Mechanism of Health Insurance from the Perspective of Urban and Rural Differences——An Empirical Analysis on Subjective Well-being of CGSS Data

基于中国社会科学综合调查(CGSS)2005年、2010年和2015年的三期截面数据，运用OLS及PSM方法研究医疗保险对主观幸福感的影响及作用机制，并首次运用LSA估值法测算了隐性福利的货币价值。研究发现，医疗保险显著地促进了居民主观幸福感的提升，总体上隐性福利价值约为年收入的24.58%，农村隐性福利提高的幅度高于城镇；但进一步按收入从低到高分组，则发现农村低收入人群的隐性福利并没有得到显著提高，原因可能在于农村低收入人群就医时仍具有较高家庭负担。据此提出，提高农村低收入人群医疗保险的报销比例，或者降低其就医时的门槛，灵活设置低收入人群的医疗保险降低其就医负担，才能达到精准健康扶贫和提高其隐性福利的目标。
Based on the CGSS data in 2005,2010 and 2015 and the method of OLS and PSM,this paper evaluated the impact and mechanism of health insurance on subjective sense of well-being with,and calculated the monetary value of implicit welfare via the valuation method of LSA. The results show that the social health insurance is positive to residents’ subjective sense of well-being,the value of implicit welfare accounts for about 24.58% of the total yearly income,and the increase rate of implicit benefits in rural areas is higher than that in urban areas. However,a further classification of income reveals that the implicit welfare of low-income group in rural areas has not been significantly improved. It is probably because the rural low-income group still have a higher family burden when seeking for medical treatment. Accordingly,it is proposed to increase the proportion of reimbursement for rural low-income group,or reduce the threshold of medical treatment,and flexibly design medical insurance for them to alleviate their medical burden,so as to achieve the aim of targeted health poverty alleviation and improve their implicit welfare.