【摘要】 本文将共同富裕分解为个体收入提高和个体间收入不平等降低，将健康保险发展细化为风险管理水平提升、保障程度提高及市场垄断程度降低三个核心维度，在异质性代理人连续时间一般均衡框架内系统探究健康保险发展对共同富裕的影响。数值模拟结果表明，降低健康风险、适度提高健康险免赔率以及降低市场垄断程度，均能提升个体收入水平，但会使整体基尼系数有所上升。另外，本文基于CHFS微观数据与省份宏观数据展开实证分析，在微观层面证明了降低家庭健康风险与投保商业健康保险能够发挥增收效应并缓解收入差距，在宏观层面证明了降低健康险市场垄断程度能够提升收入水平，但会在一定程度上加剧收入不平等。基于此，结合理论设定与现实情境，本文剖析了理论模拟与实证结果的差异成因，为通过优化健康保险政策推动实现共同富裕提供了科学依据。更多还原

【Abstract】 We define common prosperity as higher incomes and lower income inequality, and we comprise health insurance development in three key aspects: improved risk management, enhanced security, and reduced market monopoly.We first apply a heterogeneous agent model in continuous time to assess health insurance’s impact on common prosperity.Simulations reveal that reducing health risks, moderately increasing deductibles, and lowering market monopoly boost individual incomes but slightly increase the overall Gini coefficient.To augment our theoretical results, we analyze CHFS microdata and provincial macrodata.At the micro level, reducing household health risks and purchasing commercial health insurance both increase income and decrease income inequality.At the macro level, reducing health insurance market monopoly raises income but may worsen income inequality.We explain these differences by analyzing underlying causes and propose targeted policy recommendations to promote common prosperity by optimizing health insurance.更多还原