Does medical insurance cause moral hazard:Take medical insurance for urban and rural residents as an example
10.3969/j.issn.1674-2982.2024.10.002
- VernacularTitle:医疗保险会引致道德风险吗?
- Author:
Hang-Kong ZHANG
1
;
Qi-Feng MA
Author Information
1. 中国人民大学人口与健康学院 北京 100872;中国人民大学人口与发展研究中心 北京 100872;中国人民大学老年学研究所 北京 100872
- Keywords:
Medical insurance for urban and rural residents;
Older adults;
Ex-ante moral hazard;
Ex-post moral hazard;
Fixed effect model
- From:
Chinese Journal of Health Policy
2024;17(10):9-16
- CountryChina
- Language:Chinese
-
Abstract:
This study utilizes balanced panel data from five waves of the Chinese Longitudinal Healthy Longevity Survey(CLHLS)spanning 2005 to 2018 to analyze the impact of urban and rural resident medical insurance participation on moral hazard among older adults.The research findings are as follows:Firstly,participation in urban and rural resident medical insurance does not increase ex-ante moral hazard,such as unhealthy behaviors among older adults.However,it does result in ex-post moral hazard,indicated by a rise in medical expenditures.Secondly,younger seniors and those with deteriorating health conditions are more likely to experience increased medical expenses as an ex-post moral hazard after enrolling in the insurance.Lastly,compared to basic medical insurance for urban residents,older adults are more likely to experience increased medical expenses as an ex-post moral hazard after enrolling in the New Rural Cooperative Medical Scheme,primarily due to a rise in outpatient expenses.First,A comprehensive understanding of the multi-dimensional attributes of public healthcare policy evaluation is needed;Second,We should innovate the development concept of the basic medical insurance system for urban and rural residents.
