【摘要】 通过构建理论模型说明医疗保险反贫困的有效性,并基于中国健康与养老追踪调查数据和倾向得分匹配方法,就贫困广度、深度和脆弱性等多个方面对城镇居民医保的反贫困效果进行综合评估。研究发现:医疗保险政策能够增加参保者的医疗消费,有助于改善其健康状况,从而起到积极的减贫效果;实践中城镇居民医保政策对贫困广度和深度的影响不显著,对贫困脆弱性有显著的负效应,使贫困脆弱性减少5%～8.5%,对受到大病冲击的家庭,在抑制因病致贫问题上起到了有效的缓解作用,但对受到慢性病困扰的家庭,其减贫效果有限,精准性与预期存有差距。更多还原

【Abstract】 This paper establishes a theoretical model to illustrate the effectiveness of anti-poverty of medical insurance. Based on the data of China Health and Aging Trace Survey and adopting the propensity score matching method, it conducts a comprehensive evaluation of the anti-poverty effect of China’s Urban Resident Basic Medical Insurance(URBMI) in terms of the range, depth and vulnerability of poverty. The results show that the medical insurance policy can increase the medical consumption of the participants and help to improve their health status, which can play a positive role in poverty reduction. In practice, the impact of the URBMI policy on the range and depth of poverty is not significant, while it has significant negative effect on the poverty vulnerability, reducing the vulnerability by 5-8.5%. It has also played an effective role in alleviating the impact of serious diseases on the households who suffered from catastrophic diseases; but for the households suffering chronic diseases, its effect of poverty reduction is limited, there is a gap between the accuracy and expectation.更多还原