A Study of the Anti-Poverty Effect of the Medical Insurance for Urban Residents

Abstract

Abstract: This paper establishes a theoretical model to illustrate the effectiveness of anti-poverty of medical insurance. Based on the data of China Health and Aging Trace Survey and adopting the propensity score matching method, it conducts a comprehensive evaluation of the anti-poverty effect of China’s Urban Resident Basic Medical Insurance (URBMI) in terms of the range, depth and vulnerability of poverty. The results show that the medical insurance policy can increase the medical consumption of the participants and help to improve their health status, which can play a positive role in poverty reduction. In practice, the impact of the URBMI policy on the range and depth of poverty is not significant, while it has significant negative effect on the poverty vulnerability, reducing the vulnerability by 5-8.5%. It has also played an effective role in alleviating the impact of serious diseases on the households who suffered from catastrophic diseases; but for the households suffering chronic diseases, its effect of poverty reduction is limited, there is a gap between the accuracy and expectation.

Key words: medical insurance for urban resident, anti-poverty, poverty breadth, poverty depth, vulnerability to poverty

CLC Number:

F840.613

GU Xin, ZHOU Yan, ZHANG Xu. A Study of the Anti-Poverty Effect of the Medical Insurance for Urban Residents[J]. Journal of Jiangxi University of Finance and Economics, 2021, 0(2): 66-79.

References

[1] 谢远涛,杨娟. 医疗保险全覆盖对抑制因病致贫返贫的政策效应[J]. 北京师范大学学报(社会科学版), 2018, (4):141-156.
[2] 黄薇. 医保政策精准扶贫效果研究——基于URBMI试点评估入户调查数据[J]. 经济研究, 2017, (9): 117-132.
[3] 樊丽明, 解垩. 公共转移支付减少了贫困脆弱性吗?[J]. 经济研究,2014,(8):67-78.
[4] 高梦滔, 姚洋. 健康风险冲击对农户收入的影响[J]. 经济研究, 2005, (12):15-25.
[5] Beaglehole R., Yach D.Globalisation and the Prevention and Control of Non-Communicable Disease: The Neglected Chronic Diseases of Adults[J]. The Lancet, 2003, 362(9387): 903-908.
[6] Yach D., Hawkes C., Gould C.L., Hofman K. J. The Global Burden of Chronic Diseases: Overcoming Impediments to Prevention and Control[J]. Jama, 2004, 291(21): 2616-2622.
[7] Yip W., Hsiao W.C. Non-Evidence-Based Policy: How Effective is China’s New Cooperative Medical Scheme in Reducing Medical Impoverishment?[J]. Social Science and Medicine, 2009, 68(2): 201-209.
[8] Mahapatro S.R., Singh P., Singh Y. How Effective Health Insurance Schemes are in Tackling Economic Burden of Healthcare in India[J]. Clinical Epidemiology and Global Health, 2018, 6(2): 75-82.
[9] 潘杰,雷晓燕, 刘国恩. 医疗保险促进健康吗?——基于中国城镇居民基本医疗保险的实证分析[J]. 经济研究, 2013, (4): 130-142+156.
[10] Cheng L., Liu H., Zhang Y., Shen K., Zeng Y.The Impact of Health Insurance on Health Outcomes and Spending of the Elderly: Evidence from China’s New Cooperative Medical Scheme[J]. Health Economics, 2015, 24(6): 672-691.
[11] Dizioli A., Pinheiro R.Health Insurance as A Productive Factor[J]. Labour Economics, 2016, 40: 1-24.
[12] Feng Z., Zhao K.Employment-Based Health Insurance and Aggregate Labor Supply[J]. Journal of Economic Behavior and Organization, 2018, 154: 156-174.
[13] Hamid S.A., Roberts J., Mosley P. Can Micro Health Insurance Reduce Poverty? Evidence from Bangladesh[J]. The Journal of Risk and Insurance, 2011, 78(1): 57-82.
[14] 解垩. 医疗保险与城乡反贫困: 1989—2006[J]. 财经研究, 2008, (12):68-83.
[15] Yi H., Zhang L., Singer K., Rozelle S., Atlas S.Health Insurance and Catastrophic Illness: A Report on the New Cooperative Medical System in Rural China[J]. Health Economics, 2009, 18(S2): S119-S127.
[16] 齐良书. 新型农村合作医疗的减贫、增收和再分配效果研究[J]. 数量经济技术经济研究, 2011, (8): 35-52.
[17] 鲍震宇, 赵元凤. 农村居民医疗保险的反贫困效果研究——基于PSM的实证分析[J]. 江西财经大学学报, 2018, (1): 90-105.
[18] Chaudhuri S., Jalan J., Suryahadi A.Assessing Household Vulnerability to Poverty from Cross-sectional Data: A Methodology and Estimates from Indonesia[R]. Working Paper, 2002.
[19] Ligon E., Schechter L.Measuring Vulnerability[J]. The Economic Journal, 2003, 113(486): C95-C102.
[20] Dercon S., Krishnan P.Vulnerability, Seasonality and Poverty in Ethiopia[J]. Journal of Development Studies, 2000, 36(6): 25-53.
[21] 李丽, 白雪梅. 我国城乡居民家庭贫困脆弱性的测度与分解——基于CHNS微观数据的实证研究[J]. 数量经济技术经济研究, 2010, (8): 61-73.
[22] 章晓懿, 沈崴奕. 医疗救助对低收入家庭贫困脆弱性的缓解作用研究[J]. 东岳论丛, 2014, (8): 10-16.
[23] 臧文斌, 刘国恩, 徐菲, 熊先军. 中国城镇居民基本医疗保险对家庭消费的影响[J]. 经济研究, 2012, (7): 75-85.
[24] Hubbard R.G., Skinner J., Zeldes S. P. Precautionary Saving and Social Insurance[J]. Journal of Political Economy, 1995, 103(2): 360-399.
[25] Bajari P., Dalton C., Han H., KhwajaA. Moral Hazard, Adverse Selection, and Health Expenditures: A Semiparametric Analysis[J]. The Rand Journal of Economics, 2014, 45(4): 747-763.
[26] Chen Y., Shi J., Zhuang C.C. Income-Dependent Impacts of Health Insurance on Medical Expenditures: Theory and Evidence from China[J]. China Economic Review, 2019, 53: 290-310.
[27] 黄薇. 保险政策与中国式减贫: 经验、困局与路径优化[J]. 管理世界, 2019, (1): 135-150.
[28] Rosenbaum P.R., Rubin D. B. The Central Role of the Propensity Score in Observational Studies for Causal Effects[J]. Biometrika, 1983, 70(1): 41-55.
[29] 吕光明, 崔新新. 精准扶贫下收入贫困线的空间调整研究[J]. 统计与信息论坛, 2020, (8): 11-19.
[30] 吴和成, 万里洋, 卢维学. 多维视角下城市家庭贫困脆弱性实证研究[J]. 统计与信息论坛, 2020, (9): 110-118.
[31] Amemiya T.The Maximum Likelihood and the Nonlinear Three-stage Least Squares Estimator in the General Nonlinear Simultaneous Equation Model[J]. Econometrica, 1977, 45(4): 955-968.
[32] Stürmer T., Joshi M., Glynn R.J., Avorn J., Rothman K. J., Schneeweiss S. A Review of the Application of Propensity Score Methods Yielded Increasing Use, Advantages in Specific Settings, but not Substantially Different Estimates Compared with Conventional Multivariable Methods[J]. Journal of Clinical Epidemiology, 2006, 59(5): 437-447.
[33] Cavendish W.Empirical Regularities in the Poverty-Environment Relationship of Rural Households: Evidence from Zimbabwe[J]. World Development. 2000, 28(11): 1979-2003.