A Study On Poverty Reduction Effect Of The Basic Health Insurance

Disease is one of the main causes of poverty,since 2016,the government have formulated a series of documents to ensure that the poor are guaranteed a system to see a doctor to alleviate poverty.Since the 18 th Party Congress of China,medical insurance,based on the existing system,has taken comprehensive measures to focus on improving the level of medical insurance for the poor,and has played an important role in alleviating the poverty.Whether basic medical insurance can reduce the probability of poverty,and how it works to reduce poverty,so as to achieve the predetermined policy objectives,it is significant to consider this issue clearly for China to stick up for the fruits of poverty alleviation,and prevent the poor return to poverty due to illness”.This paper uses data from the China Health and Retirement Tracking Survey(CHARLS 2018),the most recent micro-survey data available so far,to analyze the poverty reduction role played by the basic medical insurance system,firstly,using the Probit model to analyze whether there is a significant relationship between basic medical insurance and poverty rate,and on this basis,further analyze the role of access to medical insurance reimbursement on the poverty rate;secondly Finally,the PSM propensity score matching method was used to eliminate the self-selection bias of the samples,and the poverty reduction effect of basic medical insurance was further studied.The following conclusions were drawn from the study:(1)Participation in basic medical insurance can reduce the incidence of poverty among insured residents,participation in basic medical insurance has a poverty-reducing effect.(2)the incidence of catastrophic medical expenditures has a significant mediating effect between basic health insurance and poverty rate,basic health insurance affects poverty incidence by influencing the incidence of catastrophic medical and health expenditures;(3)based on the PSM study,after eliminating self-selection bias,it further confirms that participation in basic health insurance can reduce the probability of poverty;in addition(3)Based on the PSM study,after eliminating the self-selection bias,it was further confirmed that participation in basic medical insurance could reduce the probability of poverty;in addition,the results showed that there was a significant positive effect of receiving reimbursement on poverty,which might be due to the low reimbursement ratio of basic medical insurance and the shortcomings of the system.Based on the empirical results and the situation of the basic medical insurance in China,this paper advances some proposals on the majorization of the basic medical insurance system in China: government and residents,in order to better consolidate the results of China’s poverty eradication efforts.