Research On The Impact Of Medical Insurance On Health Condition And Medical Expenditure Of The Middle-aged And Elderly People

Nowadays,China is currently in a period of rapid population aging.The medical and health needs of middle-aged and elderly people are significantly higher than that of the general population.And due to China's unique dual economic structure,there is a big gap between the urban and rural area in terms of medical conditions,and quality of medical services,so strengthening the research on the health and the use of medical service of middle-aged and elderly people is an important method of actively respondin g to aging.In order to explore the impact of medical insurance on the health status and the medical burden of the middle-aged and the elderly people,the two phases of the ‘China Health and Retirement Longitudinal Study',2013-2015,are used to establish fixed-effect models and random-effect models,respectively,which is mean to select a more reliable model for analyzing the impact of different medical insurances including commercial health insurance on the health status,total health expenditure,self-paid health care expenditure,and the proportion of self-pay for people aged beyond 45 in China.The results of this study show that there are significant differences in the impact of different medical insurances on the health status of the elderly,total expenditure on health care,and the proportion of self-payment,but the impact on health care outlay is not significant.Taking the non-participated medical insurance as the reference group,the new rural cooperative medical care has significantly promoted the health status of the middle-aged and old-aged people.Also,the new rural cooperative medical care has significantly increased the total medical expenses and reduced the conceit ratio of medical expenses.Commercial insurance and other insurances for middle-aged and old people promotes the health status significant as well.Furthermore,commercial insurance and other insurances significantly increase the total cost of medical care and reduce the proportion of self-conceited medical expenses.Compared with non-insured,publicly-funded medical services significantly reduce the proportion of self-conceited medical expenses,as well as promoting the health status and reducing the total cost of medical services,which is not significant.Medical insurance for urban employees has a greater effect on the health status of middle-aged and older people.It significantly increases the total cost of health care and reduces the proportion of health care costs.However,urban residents' medical insurance significantly reduces the proportion of health care costs.This paper proposes that in order to further improve the health status of the middle-aged and the elderly,increase the use of medical services for the middle-aged and the elderly,and reduce the proportion of self-pay for the medical expenses of the middle-aged and the elderly people.In addition,the government has to promote the reform of the medical insurance system and reduce the number of different medical insurance systems.The difference between the demand for medical services and expenditures for medical care will reduce the medical burdens of the middle-aged and the elderly.At the same time,rationally allocating of medical institutions,improving the service system for primary medical institutions,optimizing the medical environment,and ensuring the adequacy of medical funds are necessary to place on the agenda.During the period of constantly improving China's social medical insurance system,the advantages of commercial insurance management and oper ation should be fully utlized,the service quality and degree of specialization of social insurance should be improved.Finally,mechanism of sharing together in risks among individuals,governments,and commercial insurance agencies should be achived.Besides,a more equitable social insurance system,fitting well with economic development and people's consumption ability,should be establised.