住房财富对医疗保健支出的影响
Michael F Lovenheim1, Jun Hyun Yun2
1Cornell University, NBER, and Hoover Institution, USA.
Journal of health economics
|August 22, 2025
概括
住房财富似乎没有影响老年人医疗开支. 这项研究没有发现房地产股权会影响医疗保健费用,
科学领域:
- 健康经济学
- 老年学
- 公共卫生政策
背景情况:
- 美国医疗保健需要大量消费者自付费用, 这可能会限制医疗服务的获得.
- 住房财富占家庭资产的很大一部分,理论上可以用于医疗费用.
研究的目的:
- 分析住房财富对老年人医疗开支的影响.
- 确定房地产股权是否影响医疗保健支出决策和获得医疗保健.
主要方法:
- 使用了健康和退休研究 (HRS) 的数据.
- 使用各种房屋价格变化的措施来评估住房财富波动.
- 分析了不同房屋所有者和支出类别的支出数据.
主要成果:
- 没有发现有统计学意义的证据表明住房财富会影响医疗支出.
- 估计是小而精确的,甚至排除了适度的影响.
- 在整个支出分配和特定医疗成本类别中观察到零影响.
结论:
- 房地产财富似乎不是资助老年房主自付医疗费用的重要因素.
- 可能的原因包括房主不需要获得财富,或面临障碍 (不愿意/无法) 获得医疗保健的住房权益.
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