唐山市城镇居民基本医疗保险未成年人缴费标准分析

摘要

目的 分析支付意愿不同分布位置的影响因素,为城镇居民基本医疗保险未成年人缴费标准的制定提供依据.方法 通过现场调查,采用条件价值评估法测量支付意愿,并用分位数回归分析影响因素.结果 不同分位数支付意愿的影响因素和影响程度有所不同.所分析的11个分位数中,有10个受家庭年总收入的影响,最大的边际影响可达350元.参保对象是否为城中村居民,影响了其中8个支付意愿分位数.相对而言,未成年人性别、年龄、健康状况对支付意愿分位数的影响均不大.结论 未成年人的缴费标准可从目前的每人每年40元提高到每人每年100元.同时可根据支付意愿影响因素及其作用程度的不同,对未成年人进行细分,进而制定不同的缴费标准.%Objective To analyze the factors for willingness to pay(WTP)in different quantiles and to provide evidence for formulating premium of minors covered by Urban Residents'Basic Medical Insurance.Methods In a field survey,the study adopted the contingent valuation method and quantile regression to measure and analyze the WTP.Results The influencing factors and degree of influence varied in different quantiles.Annual household income was significant in 10 of 11 quantiles with the maximum marginal effect of 350 yuan.Whether the insured comes from a village in a city affects 8 of the 11 quantiles whereas gender,age and health conditions of minors have minor effect on willingness to pay.Conclusion The premium standard should be raised from 40 yuan per person per year to 100 yuan.Minors can be categorized into subgroups and be set with distinct premiums in terms of the significant influencing factors and its influence degree.