Analysis of Economic Effect and Mechanism of Basic Medical Insurance for Urban Employees in China

Author:

Li Yi1ORCID,Zhang Xia23ORCID,Yang Xia45

Affiliation:

1. School of Finance, Hubei University of Economics, Wuhan, Hubei 430205, China

2. School of Finance, Zhongnan University of Economics and Law, Wuhan, Hubei 430073, China

3. Financial Development and Financial Security Research Center, Hubei University of Economics, Wuhan, Hubei 430205, China

4. Economics and Management School, Wuhan University, Wuhan, Hubei 430072, China

5. Research Center for Risk, Wuhan University, Wuhan, Hubei 430072, China

Abstract

The purpose of social basic medical insurance is to solve the problem that “medical treatment is difficult and expensive.” With the implementation of new technologies and new diagnosis and treatment methods, the price of medicine has risen sharply. Under this background, can basic medical insurance still relieve the economic pressure of patients? Based on the tracking data of China Health and Nutrition Survey (CHNS) from 2006 to 2015, by constructing Heckman sample selection model, the paper finds that the basic medical insurance for urban employees (UEBMI) leads to an increase in medical expenses, among which only 0.61% can be attributed to the release of normal medical demand and 114.47% can be attributed to moral hazard; for flexible employees, 249.52% increase can be attributed to adverse selection. Based on this, the paper puts forward two suggestions: first, promoting Hierarchical Treatment Model to control the growth of medical expenses and second, guiding flexible employees to participate in the UEBMI.

Funder

Ministry of Education of the People's Republic of China

Publisher

Hindawi Limited

Subject

Modelling and Simulation

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