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医疗保险对中老年人主观幸福感的影响研究——基于CGSS2017调查数据的实证分析
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Abstract:
医疗保险对于提高中老年人主观幸福感具有重要的意义。文章利用CGSS2017年度调查数据分析了我国基本医疗保险和商业医疗保险对我国中老年人主观幸福感的影响，并通过Ordered Logit回归模型来比较这两种保险对中老年人主观幸福感的影响，进一步进行异质性分析。研究结果表明，基本医疗保险和商业医疗保险均能提升中老年人主观幸福感，但商业医疗保险对幸福感的影响程度要低于基本医疗保险。基本医疗保险对我国中老年人主观幸福感的影响在东、中、西部地区之间存在显著差异。
Medical insurance is of great significance to improve the subjective well-being of the middle-aged and elderly. Using cgss2017 annual survey data, this paper analyzes the impact of China’s basic medical insurance and commercial medical insurance on the subjective well-being of middle-aged and elderly people in China, and compares the impact of the two kinds of insurance on the subjec-tive well-being of middle-aged and elderly people through an ordered logit regression model, so as to further analyze the heterogeneity. The results show that both basic medical insurance and com-mercial medical insurance can improve the subjective well-being of the middle-aged and elderly, but the impact of commercial medical insurance on well-being is lower than that of basic medical insurance. There are significant differences in the impact of basic medical insurance on the subjec-tive well-being of middle-aged and elderly people in the East, Middle and West.
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