The Study Of Floating Population's Participation Of Medical Insurance And Its Impact On Medical Services Utilization

By the end of 2014,the number of floating population has reached 253 million and China has entered the ternary society of peasants-the city resident-the floating population.At the same time,China's basic medical insurance system has also been rapid development and improvement,and it has been an Universal Healthcare System after the Rate of participating the Basic Medical insurance if mare than 95%.But we must find that which ware really in the Universal Healthcare System are the peasants which ware covered by New Rural Cooperative Medical System and the city resident which ware covered by Basic Medical Insurance for Urban Residents.There was no a basic medical insurance system specifically for the floating population,making the floating population insured rate is low,insured choice,there is a repeat insured phenomenon and cannot get adequate medical insurance.In theory,consumers can make the health insurance play a mutual aid and mutual assistance by buying the health insurance.The Insured can get the Medical insurance compensation,and can get medical services easily by buying medical insurance.Many scholars confirmed the policy effect of the medical insurance by researching the impact on medical services utilization when the peasants have participated in the New Rural Cooperative Medical System and the city resident have participated in the Basic Medical Insurance for Urban Residents.But there was lacking of the research on the floating population's decision of medical insurance and its medical services utilization.This paper will choice to study on the floating population by using the,making a study of floating population's decision of medical insurance and its impact on medical services utilization by establishing smog empirical models.The empirical analysis is divided into two parts.The first part is to analyze the influencing factors of hospitalized medical services for floating population.Choosing the(1)Hospitalization;(2)should be hospitalized without hospitalization;(3)the selection of hospital medical institution;(4)Hospital medical expenses(including the Total cost of hospitalization and the Self paid for their own hospital costs)as Proxy variables of hospitalized medical services for floating population,The preliminary study result is that whether to participate in medical insurance and the types of basic medical insurance have a significant impact on the use of hospitalized medical services in floating population.The second part choice the Hospital medical expenses(including the Total cost of hospitalization and the Self paid for their own hospital costs)as the dependent variables,By establishing a Heckman empirical models to study the floating population's participation of urban employee basic medical insurance and its impact on medical services utilization,establishing the propensity score matching model to study the floating population's participation of New Rural Cooperative Medical System to correct the selective bias and avoid the effect of zero value of medical expenditure.The study draws the following conclusions:(1)The effect of regional medical service on the utilization of medical services in floating population has a significant impact;(2)When the floating population to participate in urban employee basic medical insurance,its impact on medical services utilization is more significant;(3)The urban employee basic medical insurance and the New Rural Cooperative Medical System can reduce the medical burden of floating population effectively;(4)Floating population's participation of urban employee basic medical insurance and its impact on medical services utilization is gender-specific;(5)loating population's participation of urban employee basic medical insurance and its impact on medical services utilization is different when their account is different.Based on the above research results,this paper proposes the following suggestions:(1)Promoting the construction of medical security system and being adapt to the new normal economic situation;(2)Standardize the enterprise employment system to protect the floating population's labor rights and interests;(3)Improving the floating population's insured rate of urban employee basic medical insurance;(4)Promoting the floating population's medical insurance relations transfer and renewing;(5)Focusing on the special medical needs of different groups and promote the fair use of medical services.