中国居民医疗保险购买行为研究-基于商业健康保险的角度

本文通过健康保险市场供需双方行为分析,构建居民医疗保险购买行为模型,利用中国健康与营养调查数据(2000—2006),运用部分观测的二元Probit估计方法(Bivariate Probit with partial observability),从实证的角度分析商业健康保险市场中供需双方各自的风险选择行为,以及城乡地区居民对商业健康保险的潜在需求行为及其宏微观影响因素。本文发现:(1)城乡居民都存在显著的逆向选择行为;(2)城乡社会医疗保障对居民商业健康保险需求行为有显著的促进作用;(3)影响居民商业健康保险行为的其他因素还包括,个人的风险偏好和经济购买力。

An Empirical Analysis of Private Health Insurance Ownership in China

Using CHNS data 2000—2006,this paper investigates empirically the key factors that influence private health insurance ownership in China.Bivariate partial observability probit model is employed to identify the effects of health status on consumers’ demand subjected to adverse selection and on insurer’s underwriting rejection subjected to risk selection.We find evidence for adverse selection in private health insurance market,showing that less healthy people have higher probabilities of applying decision as well as higher probabilities of being rejected by insurers.There is also some degree of complementarity between the public and private systems.Other important factors that affect the demand include individual risk preference and income level.