Analysis of Whether Employee Health Insurance Outpatient Co-payments Can"Crowd out"Commercial Health Insurance
- VernacularTitle:职工医保门诊共济是否可以"挤出"商业医疗保险分析
- Author:
Peifeng JIANG
1
;
Zhanjun SONG
Author Information
1. 北京工商大学经济学院 北京 100048
- Keywords:
medical insurance for employees;
outpatient co-ordination;
commercial medical insurance
- From:
Chinese Health Economics
2024;43(10):44-47,53
- CountryChina
- Language:Chinese
-
Abstract:
Objective:To explore the influence of outpatient co-ordination on the purchase of commercial medical insurance in China,enrich the research perspective of outpatient co-ordination.Methods:Based on the data of China Health and Retirement Longitudinal Study from 2011 to 2020,past outpatient co-ordination policies in pilot cities and the Digital Inclusive Finance insurance index,using staggered DID to empirically test the impact of outpatient co-ordination on employees'commercial medical insurance purchase.Results:Outpatient co-payment increases workers'willingness to purchase commercial health insurance,which increases by about 4%;heterogeneity analysis finds outpatient co-payment primarily affects individuals'commercial insurance purchasing behavior and that the extent of the effect is related to workers'age,health status,and the outpatient co-payment coverage model of the affiliation.Conclusion:Improving the outpatient co-payment guarantee mechanism at the national level and promoting the effective connection between basic medical insurance and commercial medical insurance.