住居の富が医療費に与える影響
Michael F Lovenheim1, Jun Hyun Yun2
1Cornell University, NBER, and Hoover Institution, USA.
Journal of health economics
|August 22, 2025
まとめ
住居の富は高齢者の医療費に 影響を及ぼさないようです 医療費が影響する証拠は見つかりませんでした 医療費が影響する証拠は見つかりませんでした 医療費が影響する証拠は見つかりませんでした
科学分野:
- 健康 経済
- ゲロントロジー
- 公衆衛生政策
背景:
- アメリカの医療制度は 消費者の負担を大きくし 医療へのアクセスを制限する可能性があります
- 住宅資産は家計の資産の相当な部分を占め,理論的には医療費に利用できます.
研究 の 目的:
- 住宅資産が高齢者の医療費に与える影響を分析する.
- 医療費の決定と医療へのアクセスを 影響するかどうかを判断する.
主な方法:
- 健康と退職研究 (HRS) のデータを活用した.
- 住宅資産の変動を評価するために,住宅価格の変化の様々な測定法を用いた.
- 異なる住宅所有者層と支出カテゴリーの支出データを分析した.
主要な成果:
- 統計的に有意な証拠は 見つかりませんでした
- 推定は小さく正確で 控えめな影響さえも排除していた.
- 医療費の分配全体と特定の医療費のカテゴリーでは,影響はゼロである.
結論:
- 高齢者住宅所有者の医療費の資金調達に 住居の資産は 重要な要素ではないようです
- 可能性のある理由には,財産にアクセスする必要のない住宅所有者,または医療のためのホーム・エクイティにアクセスする障壁 (意思の欠如/無力) が含まれます.
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