Research On The Impact Of Public Hospital Reform On The Development Of Health Insurance ——Taking Shandong Province As An Example

As an important provider of medical services,the public hospitals assume the medical and health tasks of various cities and play a major effect to ensure the health of the people.Since the fulfillment of the new medical reform in my country in 2009,promoting the pilot reform of public hospitals has been one of the important tasks in the medical system.As an pivotal role of the social security setup,mercantile health insurance,the changes in the medical and health system have always affected the expansion of mercantile health insurance,and this role will continue in the future.At this stage,there are few studies on the expansion of mercantile health insurance between prefectures and municipalities below the province,and only a few scholars conduct research on the expansion of mercantile health insurance from the perspective of public hospital reform pilots.This paper takes the public hospital reform cities in Shandong Province as the starting point,uses the measurement method of the multi-time point double difference model,and uses the six development indicators of prefecture-level commercial health insurance as the breakthrough point to evaluate the implementation of medical reform policies on commercial health insurance.influence effect.This further enriches the content of health insurance research and has certain theoretical and practical implications for the reform of public hospitals and the development of mercantile health insurance.Based on the analysis of principle on the impact of national hospital renovation on the development of commercial health insurance,this literary works analyzes the reform of public hospitals in my country and Shandong Province and the development status of health insurance,using the insurance development data of 17 prefecture-level cities in Shandong Province from 2010 to 2019,combined with the implementation of the pilot policy of public hospital reform,the empirical method of multi-time point double difference was finally adopted,and the pilot time was set as a dummy variable,and the premium income,insurance depth,insurance density,indemnity expenditure,compensation level and compensation of health insurance were calculated.rate as the explained variable,the implementation of the pilot policy as the explanatory variable,and then study the impact of the development of health insurance.The research consequents demonstrate that the implementation of public hospital reform policies has a significant impact on the development of commercial health insurance.From the perspective of insurance demand,public hospital reform is negatively correlated with health insurance premium revenue,insurance penetration and insurance density,indicating that public hospital reform has a significant impact on the expansion of mercantile health insurance.The demand for health insurance has a negative impact,which will inhibit the expansion of mercantile health insurance.At the same time,this negative impact is most significant when there are two lag periods.From the perspective of insurance supply,public hospital reform and health insurance indemnity expenditures and compensation levels have a negative impact.The correlation means that the evolvement of the transform has brought about the reduction of indemnity expenditures of insurance companies,revealing that the rectification of public hospitals has had a affirmative affect on the supply of health insurance.However,regardless of supply or demand,the impact of the development of commercial health insurance under the public hospital reform policy did not last long,and returned to business as usual three years later.Therefore,commercial health insurance completed the adaptive response of the insurance industry and resumed its own development rhythm in about three years after the pilot policy was implemented.This not only shows the success of the experimental unit of state-run hospitals,but also shows that commercial health insurance is facing the A slow and passive situation in macro policy.To sum up,in the future development of commercial health insurance,it should enhance its sensitivity and adaptability to relevant policies of the medical system,carry out industry upgrades and product iterations in a timely manner,and actively adapt to policy needs and strengthen product research and development to achieve differentiated products.In the design,the health management function of health insurance should be highlighted in the follow-up development;at the same time,on the basis of enhancing consumers’ awareness of insurance,the implementation of medical reform policies should also consider the impact on the development of commercial health insurance.