医疗储蓄账户 (MSA) 的低估如何影响医疗保健利用率? 来自中国行政数据的证据
Wei Huang1, Xiaoyan Lei1, Yuqi Ta2
1China Center for Economic Research (CCER), National School of Development, Peking University, China.
Journal of health economics
|November 29, 2024
概括
个人低估医疗储蓄账户 (MSA) 的资金,导致资金耗尽后减少医疗保健使用. 这表明,感知到的价格扭曲会显著影响医疗保险行为.
科学领域:
- 卫生经济学 卫生经济学
- 行为经济学是一种行为经济学.
- 公共卫生政策 公共卫生政策
背景情况:
- 医疗储蓄账户 (MSA) 旨在支付医疗保健费用.
- 由于MSA基金的限制性,个人可能会认为它们的价值低于现金.
- 这种感知差异可能会影响医疗保健利用模式.
研究的目的:
- 调查MSA资金被认为低估对中国医疗保健利用的影响.
- 量化MSA余额耗尽后医疗保健利用率的减少.
主要方法:
- 采用了事件研究方法.
- 分析使用了有关医疗保健利用的行政数据.
- 医疗保健利用率是通过门诊护理费用和药店购买来衡量的.
主要成果:
- 在MSA余额耗尽后,医疗保健利用率显著下降.
- 门诊护理费用下降了49%,药店购物减少了41%.
- 这些影响在不同社会经济群体中是一致的.
结论:
- 个人似乎低估了MSA基金的价值,估计低估了40-70%.
- 医疗保险中感知到的价格扭曲会显著影响消费者行为.
- 调查结果突出了医疗保健中财政激励的行为后果.
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