The effect of non-employment-based health insurance program on firm's offering of health insurance: Evidence from the social health insurance system in China |
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Institution: | 1. Department of Economics, University of New Mexico;2. School of Public Economics and Administration, Shanghai University of Finance and Economics;1. Department of Economics, College of Economics, Jinan University, Address no. 601, Huangpu Street West, Guangzhou, China;2. Queen Mary University of London, Mile End Road, E1 4NS, London, United Kingdom;1. Fudan University School of Economics, China;2. Peking University Guanghua School of Management, China;1. Institute of Advanced Research, Key Laboratory of Mathematical Economics of Ministry of Education, Shanghai University of Finance and Economics, 111 Wuchuan Road, Shanghai, 200433, China;2. Institute for Economic and Social Research, Jinan University, No. 601, West Huangpu Avenue, Guangzhou 510632, China |
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Abstract: | To achieve universal health insurance coverage, many developing countries have established a segmented health insurance system, which contains separate programs for workers with formal employment and residents without formal employment. A potential concern with such a segmented system is that the establishment of a non-employment-based insurance program may generate a disincentive for firms to provide health insurance benefits to workers. In this study, we empirically examine this crowd-out effect of a non-employment-based insurance program, the Urban Residents Basic Medical Insurance (URBMI), in China. Exploiting city-by-year variations in the roll-out process of the program and utilizing a unique administrative dataset on Chinese firms, we find that the enactment of URBMI reduced a firm's offering of an employment-based health insurance program by a statistically significant 0.94-1.29 percentage point. This crowd-out effect was stronger among domestic private firms, new firms, and firms that are individual-owned. |
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