摘要
自医疗保险的个人账户政策推行以来,国内外学者对它的功能和作用一直存在争议。本文利用南京市医疗保险数据,采用非平衡面板固定效应回归模型及Robust和Cluster校正的方法,对2002-2006年门诊患者个人账户与医疗支出进行了实证分析。结果显示:个人账户在一定程度上有朝着约束医疗费用的方向发展,特别是对于退休人群而言,医疗个人账户资金在医疗需求更大的人群中得到了释放,而在医疗需求较小的人群中得以储存。该研究的基本结论是,个人账户对城镇医疗保险制度的影响与预期的政策目标基本一致。
The function of MSA （Medical Saving Account） has been disputed by scholars worldwide since MSA policy was initiated. Using the Nanjing panel data, this article examines the relationship between outpatients MSAs and medical expenditures with the unbalanced fixed- effect model, further adjusting robust and clusters. The result shows that MSA does play a role in containing medical expenditures while helping people as needed. For retirees in particular, more MSA funds are utilized for people with higher medical demand while more being accumulated for those with lower demand. It can be concluded that the effect of MSA seems to be consistent with the intended policy goal.
出处
《财经科学》
CSSCI
北大核心
2009年第1期45-53,共9页
Finance & Economics
基金
国家自然科学基金(70573003)的资助研究项目
关键词
医疗保险
个人账户
医疗费用
medical insurance
medical saving account
medical expenditure
