Two-part Model For Household Health Care Demand And Consumption Structure

With the rising health care costs and the advancement of health care reform, as we all know, health insurance systems improve access to health care services, and reduce the burden of household medical costs to promote consumption, by making health care services more affordable. The basic medical insurance system of China has been beneficial to almost all people, and it is significant time for health care reform on service quality. This thesis introduces the two-part model to study the effect that health insurance system may have on health care demand and household consumption. Then Suggestions have been proposed to accelerate the efficiency and fairness for basic medical insurance system.The background, content and framework of the thesis is brought out at first. Then based on the current situation of China’s and global health care costs, the development of China’s health care system is summarized to three stages. After literature review, this thesis import the two-part model used to model health care service utilization, to analyze household heath care demand for hospitalization and household consumption selection strategy with large medical expenses, which data come from a telephone household survey in Xiamen.On the research methods, based on the two-part model and the generalized linear models for the empirical analysis on household hospitalization heath care demand, three-part model is proposed to model the household consumption selection strategy with a large amount of health care cost, which perfects better. In addition, this thesis studies household hospitalization heath care demand and household consumption selection strategy with a large amount of health care cost in the empirical, and their influencing factors. The analysis of Xiamen telephone household survey data reveals some conclusions as follows. Firstly, health insurance system contributes to the health of family members, however, health insurance system has greater influence on health care demand than chronic disease, and higher income families more tend to seek hospitalization, which may result in excessive and inefficient health care demand. Secondly, the income of families having more hospitalization is lower, and chronic disease increases household heath care demand of hospitalization, which call for medical assistance system and the health insurance system for big sickness subsidy. Finally, with respect to urban families, large medical expenses have more effect on rural families, and rural families need more essential hospitalization, which call for the equity between urban and rural health care insurances.Based on empiricalanalysis, this thesis correspondingly proposes some policies to improve the efficiency and fairness for basic medical insurance system, In the end, this thesis denotes the further study direction and framework.