Research On The Differences Of My Country's Basic Medical Insurance System

Since the 1990 s,China's aging process has accelerated,and it is now quite severe.With the increase in the number of middle-aged and elderly people,the demand for medical insurance is increasing.According to data released by the National Bureau of Statistics,China's rural population in 2018 was 564 million,accounting for 40.42% of the total population.The number of urban and rural populations remained almost the same,but the level of economic development in rural areas was still far behind that of urban areas.China's current urban and rural basic medical insurance systems are urban employee medical insurance,urban resident medical insurance,and new rural cooperative medical care.Are there any differences in the use of these three basic medical insurance systems for urban and rural residents' medical and health resources? This is a question worth exploring.From the perspective of the above issues,this paper is based on the China Health and Pension Tracking Survey Database,using the latest panel data of the National Tracking Survey from 2011,2013,and 2015 in the database to establish models for empirical analysis.The results of the impact of the basic medical insurance system on the health level of middle-aged and elderly people are different,and then a comparative analysis is made on whether there is a difference in the allocation of medical and health resources between urban and rural areas.The objective variable of the empirical analysis in this article is the health level of middle-aged and elderly people in China.The individual's health level is measured from both the subjective and objective levels,that is,the self-evaluation of health and the ability to score daily life..For the selection of independent variables,19 related variables were selected based on many references and questionnaires and data from the China Health and Pension Tracking Survey,which included factors such as basic personal information characteristics,family marital status,and medical service utilization.The influence of the time factor,the time dummy variable is set,and the three interaction items of the insurance time and type are set.Because the types and distributions of the two target variables are quite different,this paper uses appropriate models to evaluate the impact of the three basic medical insurance policies on health in urban and rural areas.For subjective health self-assessment,it uses ordinal Probit model to conduct empirical analysis by using ordinal Probit model to represent five levels of health self-assessment with 1 point,2 points,3 points,4 points,and 5 points.For the objective daily life ability score,an empirical study based on a dual difference model based on propensity score matching is used.This method effectively eliminates the problem of sample selection bias and missing variables,and at the same time eliminates the influence of time factors.Net effects of elderly daily living ability scores.The study draws the following conclusions: 1.According to the results of the ordered Probit model,the three medical insurance systems have a positive effect on the subjective self-assessment of middle-aged and elderly people in urban and rural areas.Elderly people can improve their subjective health level,but they have different effects.The effect of urban occupational insurance and urban residential insurance is better than that of NCMS,and there is a phenomenon that urban medical and health resources are better than rural ones.2.According to the results of the double difference model based on the matching of propensity scores,the urban health insurance and urban residential insurance have no significant effect on the objective health level of middle-aged and elderly people,that is,the daily living ability score;but the NCMS has a significant effect on middle-aged and elderly people.However,the daily living ability score has a significant inhibitory effect,that is,the actual and objective health level of middle-aged and elderly people participating in the NCMS is worse.To some extent,this also reflects the phenomenon that urban medical and health resources are better than rural ones.To sum up,the empirical results of the two models show that in terms of impact on the health level of middle-aged and elderly people,the urban medical insurance system is superior to rural areas,and there are differences in the use of medical and health resources by rural middle-aged and elderly people.The research conclusions in this article provide research on issues such as promoting the reform of China 's medical insurance system and improving the systemic deficiencies of the dual structure of urban and rural areas in China.They also provide a solid and reliable reference,and show that the implementation of urban and rural medical overall measures is to reduce urban and rural health care.The right move for resource utilization differences.