The Effect And Mechanism Of Urban And Rural Health Insurance On The Health Of The Elderly

As an important factor of health,medical insurance has become one of the most concern among the whole society,especially the old.In the academic circle,there are many researches about the relationship between health insurance and health.But with China’s medical insurance system reform,what we should answer is whether different medical insurance may cause medical service utilization and health differences or not and its mechanism.Therefore,under this background,this article uses the 2011(CLHLS)data,a national survey of health status of elderly population.We select three kinds of basic medical insurance system as an important explanatory variable,select the elderly self-rated health as the important explained variable,and establish the ordered logistic regression model.We find that different medical insurance system will cause different self-rated health for the elderly,which compared with the non-insured people,medical insurance for urban workers and urban residents have remarkably improved the self-rated health scores,but the new rural cooperative medical insurance does not improve the self-rated health score.So what is the cause of the different basic medical insurance system on the health of the elderly.Based on the relevant literature,this paper establishes the structural equation model to explore the impact of different basic medical insurance system on the health of the elderly.The study found that the medical insurance system has an impact on the health of the elderly through the impact of medical service utilization,and different medical insurances for the use of medical services and the health of the elderly have a different impact.On the basis of this,we further explored the difference of different income groups and age groups.The results showed that the effect of the basic medical insurance system on the health expenditure and health exists income threshold effect and the age threshold effect,and it has a great influence on the special group(the lowest,the highest income,the senior citizen).Finally,this article provides some countermeasures and suggestions to improve the national health insurance system,including appropriately improve the security level of medical insurance for urban residents and the new rural cooperative medical insurance and narrowing the gap,improving the accessibility of medical services,especially low income and improving the elderly rural residents medical service in order to realize the integration of urban and rural areas.