衡量家庭对医疗支出冲击的脆弱性:方法及其经验应用
Lei He1, Shuyi Zhou2
1Hunan Key Laboratory of Macroeconomic Big Data Mining and Its Application, Business School, Hunan Normal University, Changsha, Hunan, People's Republic of China. hlei@hunnu.edu.cn.
International journal of health economics and management
|March 7, 2024
概括
这项研究衡量了家庭对医疗支出冲击的脆弱性,发现健康,稳定的收入和教育显著降低了脆弱性. 医疗保险对应对这些金融冲击的影响有限.
科学领域:
- 卫生经济学 卫生经济学
- 公共卫生政策 公共卫生政策
- 健康的社会经济决定因素
背景情况:
- 医疗支出冲击对家庭的财务稳定构成重大威胁.
- 衡量家庭对金融冲击的脆弱性的现有方法往往忽视了医疗费用和收入波动的复杂性.
研究的目的:
- 开发和应用一种新的方法来衡量家庭对医疗支出冲击的脆弱性,并考虑医疗和收入冲击之间的异种性和依赖性.
- 确定影响中国家庭应对医疗支出冲击能力的关键社会经济和健康相关特征.
主要方法:
- 利用了来自中国健康与营养调查的数据.
- 采用统计模型来衡量家庭的脆弱性,包括异种性和依赖性.
- 在不同的人口群体中进行了比较分析,并应用了Shorrocks-Shapely分解来进行回归分析.
主要成果:
- 健康状况是家庭脆弱性的首要决定因素;改善的健康状况显著减少了脆弱性.
- 收入稳定,高等教育水平较高的家庭对医疗支出冲击的抵御力更强.
- 医疗保险,无论类型如何,在减轻家庭对医疗支出冲击的脆弱性方面表现出有限的效果.
结论:
- 家庭对医疗支出冲击的脆弱性受到健康状况,收入稳定性和教育水平的重大影响.
- 专注于改善健康,确保收入稳定和加强教育的有针对性的政策对于减少家庭脆弱性至关重要.
- 医疗保险的影响有限,这表明需要对政策进行重新评估,并制定可能更全面的社会保护机制.
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