Regional Differences And Influencing Factors Of Commercial Health Insurance In Shanxi Province

In the past decade,commercial health insurance in Shanxi Province has grown rapidly,with premium income increasing,market share expanding,business modernization accelerating and market structure being optimized.At the same time,the imbalance in economic development in Shanxi Province has also made the regional imbalance in the development of commercial health insurance increasingly prominent.However,the imbalance in the regional development of commercial health insurance often has a negative impact on the medical protection system and can even affect the economic development of the province.Therefore,it is necessary to study the regional differences and influencing factors of commercial health insurance in Shanxi Province,and promote the balanced regional development of commercial health insurance in Shanxi Province.Based on the analysis of the current situation of commercial health insurance development and differences in Shanxi Province and various cities,this paper constructs a comprehensive commercial health insurance development index based on the entropy value method for measuring and combines the cluster analysis method for difference analysis,divides Shanxi Province into three gradients of commercial health insurance regions,and then studies the influencing factors of regional differences in commercial health insurance in Shanxi Province through an empirical analysis of selected panel data from 2014-2021,and accordingly puts forward suggestions to promote the development of commercial health insurance in the three gradients.The development of health insurance has gained momentum during 2012-2021.However,in terms of the three aspects of health insurance premium income,health insurance density and health insurance depth,the level of commercial health insurance development varies greatly from city to city.The results of the cluster analysis based on the comprehensive health insurance development index show that Taiyuan,Yuncheng and Linfen cities have a high level of health insurance development and are in the first tier;Datong,Yangquan,Changzhi,Jincheng and Luliang cities are in the middle level and are in the second tier;Shuozhou,Jinzhong and Xinzhou cities have a low level of health insurance development and are in the third tier.Through the empirical analysis of the influencing factors at the provincial level and in the three different echelons of Shanxi Province,it is found that there are differences in the main influencing factors.Based on this,this paper proposes countermeasures for the development of different echelon regions.The first echelon region should promote the continuous strengthening of advantageous industries and play a radiating and driving role;convert the urbanization mode and promote the civilization of the rural transferred population;strengthen supervision and enhance the ability of product innovation and personalized services;the second echelon region should accelerate the promotion of urbanization level and improve the level of economic development;optimize the medical and health system and coordinate health resources;strengthen publicity and cultivate a good insurance culture;the third tier regions should vigorously develop the regional economy and raise the disposable income of residents;increase government support to achieve convergence with basic medical insurance;and improve the education system to raise residents’ awareness of insurance.