医疗保险对老年人医疗服务利用的影响研究——基于2018年CHARLS数据库

A Study on the Impact of Medical Insurance on the Utilization of Medical Services for the Elderly—Based on the 2018 CHARLS Database

摘要: 目的：分析医疗保险对老年人医疗服务利用的影响，为公共卫生政策提供依据和方向。方法：选取中国健康与养老追踪调查(CHARLS) 2018年数据中60岁及以上的研究对象，采用健康需求变量、人口和社会经济变量和反映医疗服务利用的变量，利用两部模型法(门诊模型和住院模型)和二元Logistic回归进行估计。研究表明老年人参加医疗保险对于门诊服务和住院服务都有显著性影响，这就意味着医疗保险是老年人获得医疗服务的重要因素并且医疗保险显著提高了医疗服务的利用。

Abstract: Objective: To analyze the influence of medical insurance on the utilization of medical services for the elderly, and to provide the basis and direction for public health policy. Methods: Subjects aged 60 years and older were selected from the China Health and Elderly Tracking Survey (CHARLS) in 2018. Health demand variables, demographic and socioeconomic variables, and variables that re-flect the use of medical services were used to estimate the data using the two-model method (out-patient model and inpatient model) and binary Logistic regression. Studies have shown that old people participation in medical insurance has a significant effect on both outpatient and inpatient services, which means that medical insurance is an important factor in the elderly’s access to medi-cal services and that medical insurance significantly improves the utilization of medical services.