The Empirical Research of the Impact of Health Insurance on Consumption for Urban and Rural Households
10.7664/CHE20131001
- VernacularTitle:医疗保险对我国城市与农村家庭消费影响的实证研究
- Author:
Qin ZHOU
;
Yan YUAN
- Publication Type:Journal Article
- Keywords:
health insurance;
household consumption;
precautionary saving;
quasi-social experiment
- From:
Chinese Health Economics
2013;(10):5-7
- CountryChina
- Language:Chinese
-
Abstract:
Objective: To explore the effect of health insurance on consumption for rural and urban households. Methods: Using empirical study with the method of quasi-social experiment. Results: Households with health insurance have more consumption than those without health insurance. The higher the coverage of family health insurance improves, the more effects medical insurance would encourage family consumption. Meanwhile, the marginal effect of health insurance on rural households ’ consumption is much bigger than that of urban households. Conclusion: Through enhancing households’ risk tolerance, health insurance reduces households’ precautionary saving motivation and impels to increase the current consumption.
