城市和农村居民基本医疗保险整合如何影响医疗费用?-来自中国的证据
Chen Liu1,2, Qun Su2, Meng Wang2
1College of Business, Xuzhou University of Technology, Xuzhou, Jiangsu, China.
PloS one
|July 18, 2025
概括
城市和农村居民基本医疗保险 (URRBMI) 增加了医疗费用,释放了需求,造成了道德风险,特别是在收入较高的群体. 尽管成本上升,但它改善了获得更高级别护理和预防服务的机会.
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
- 社会医学 社会医学
背景情况:
- 城市和农村居民基本医疗保险 (URRBMI) 旨在加强医疗服务获取和公平.
- 尽管URRBMI的目标是如此,但它并没有显著地降低中国居民的整体医疗费用.
研究的目的:
- 评估URRBMI对中国医疗保健资源利用和医疗成本的影响.
- 在URRBMI.下确定推动医疗费用变化的机制.
主要方法:
- 使用的固定效应差异差异 (DID) 方法.
- 来自中国健康和退休长度调查 (CHARLS) 的员工数据涵盖了2013年,2015年,2018年和2020年.
主要成果:
- URRBMI的整合导致门诊,住院和总医疗消费的增加.
- 医疗成本的增加源于压缩需求和道德风险的释放,需求释放对低收入群体占主导地位,而道德风险对高收入群体占主导地位.
- URRBMI将医疗保健的使用转向更高水平的服务,并积极影响了预防性护理的普及.
结论:
- URRBMI的初始实施阶段成功释放了医疗需求,有助于提高利用率.
- 该政策的成本增加效应与需求释放和道德风险有关,因收入水平而异.
- URRBMI重新塑造了寻求医疗保健的行为,促进了更高层次的护理和预防性健康措施.
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