The Impact Of The Long-term Care Insurance Pilot On The Burden Of Medical Costs And Health Status Of The Elderly

At the intersection of the world’s population structure is in transition,the population age structure is undergoing great changes,the proportion of older people,young people in China,almost all the countries are experiencing population aging,this phenomenon that has become the inevitable and irreversible problem in each country,including China.Each deepening of China’s aging population is also accompanied by an increase in the average life expectancy of the population.Now the elderly have shown an inevitable trend of longevity and advanced age.At the same time,the national medical and health costs are also rising,and the burden of medical costs for the elderly is increasing.Against such a grim background,long-term care insurance has become a research hotspot in recent years.In 2016,the Ministry of Human Resources and Social Security issued the Guidelines on the Pilot Of the Long-term Care Insurance System,which began to be piloted in 15 cities nationwide.So what is the current outcome of a pilot program for long-term care insurance in China? What is the impact of long-term care insurance on the burden of medical costs? Does the implementation of long-term care insurance have an impact on the level of individual health? It is not only necessary but also urgent to study the relationship between long-term care insurance and medical cost burden and health level.In this paper,using the China health and pension track(CHARLS)2011-2018,four panel data,in Grossman and Andersen medical service demand theory,on the basis of using the model,by medical expenses burden and health level two perspectives,the longterm care insurance policy pilot cities data before and after the comparative analysis,using the double difference method is used to estimate the pilot cities such as long-term care insurance system of the policy implications,empirically the long-term care insurance to our country the elderly medical costs and health effects.The empirical results show that: the first,and than the urban elderly long-term care insurance,long-term care insurance has made pilot cities of Qingdao and other elderly people reduce 2.179 and0.156 times respectively,The Times of long-term care insurance for the elderly to provide medical services,make individual demand into the original medical care needs,significantly reduce The Times of.Second,the implementation of long-term care insurance has significantly reduced the outpatient costs of the elderly.Compared with the elderly in cities without long-term care insurance,the outpatient costs of the elderly in Qingdao and other pilot cities have been reduced by 74.8% and 10.3%,respectively.Thirdly,compared with the elderly in cities without long-term care insurance,the implementation of long-term care insurance significantly improves the daily living ability of the elderly,which further proves that the implementation of long-term care insurance not only reduces the medical expenses,but also promotes the health level of the elderly.Based on the above conclusions,this paper puts forward relevant Suggestions on longterm care insurance policy,that is,to expand the coverage of long-term care insurance,to strengthen the development of long-term care insurance,to promote long-term care insurance in combination with hierarchical diagnosis and treatment,and to further establish independent long-term care insurance.