医疗保险参与对居民家庭医疗消费的影响研究
Research on the Influence of Medical Insurance Participation on Household Medical Consumption

目的：从医疗保险参与的角度切入，对医保参与和家庭消费两者关系展开研究，为我国医疗保险制度的完善提出参考建议。方法：本文基于CHARLS2018数据，采用有序Logistics回归的方法，研究了医疗保险与家庭医疗消费支出、居民健康之间的关系。结果：医疗保险的参与对家庭医疗消费支出具有显著的正向促进作用，医疗保险参与每增加一单位，家庭医疗消费支出便随之增加28.2%，同时异质性分析发现，教育程度和健康状况都对家庭医疗消费有显著正向影响。结论：从医疗保障体系本身出发，不断完善医疗保障制度建设，拓宽保障范围，提升保障水平，同时加强人才队伍建设，以提升我国医疗保险制度的实施效果。
Objective: To study the relationship between medical insurance participation and family consumption from the perspective of medical insurance participation, and to provide reference suggestions for the improvement of China’s medical insurance system. Methods: Based on CHARLS2018 data, this paper studied the relationship between medical insurance, household medical consumption expenditure and residents’ health by adopting the method of orderly Logistics regression. Results: The participation of medical insurance has a significant positive promoting effect on the family medical consumption expenditure. Every increase of medical insurance participation 1 unit, the family medical consumption expenditure increases by 28.2%. Meanwhile, the heterogeneity analysis shows that education level and health status have a significant positive effect on the family medical consumption. Conclusion: Starting from the medical security system itself, we should constantly improve the construction of medical security system, broaden the scope of security, improve the level of security, and strengthen the construction of talent team, so as to improve the implementation effect of China’s medical insurance system.