The effect of China's basic medical insurance system on the income distribution
10.3969/j.issn.1674-2982.2024.12.009
- VernacularTitle:我国基本医疗保险制度对居民收入分配的影响
- Author:
Xi-ming YUE
1
;
Yu-han WU
1
Author Information
1. 中国人民大学财政金融学院 北京 100872
- Publication Type:Journal Article
- Keywords:
Medical insurance;
Equity;
Income distribution;
Policy simulation
- From:
Chinese Journal of Health Policy
2024;17(12):59-67
- CountryChina
- Language:Chinese
-
Abstract:
Objective:In-depth discussion of the impact of China's basic medical insurance system on the distribution of residents'income from the perspective of system design,to provide empirical evidence for the future health insurance reform.Methods:Based on the data of China Household Income Project ( CHIP ),this paper evaluates the effect of China's basic medical insurance system on income distribution by using the RE index decomposition method,and calculates the impact of seven kinds of contribution and reimbursement policies on income distribution effect through policy simulation.Results:The current medical insurance payment exhibits a strong regressive character,which leads to the widening of the income gap after the payment of the insured,and the improvement brought by the medical reimbursement mechanism is limited.The implementation of fixed-proportion contribution ( especially progressive rate),the integration of resident insurance and employee insurance policies can significantly enhance the income distribution effect of medical insurance;In contrast,the contribution of retired employees and the provincial pooling policy of fund pool have limited effect on improving the equity of medical insurance.Conclusion and Suggestions:Adopt a low rate progressive payment scheme for residents'medical insurance,and actively try to promote the pooling of residents'medical insurance and employees'medical insurance fund,so as to narrow the treatment gap between different medical insurance systems,alleviate the medical burden of low-income residents,further improve the efficiency of the use of medical insurance pooling fund,and ultimately achieve more equitable income distribution.
