社会医疗保险对老年人健康的影响--基于倾向得分匹配方法的反事实评估

摘要

With the help of Chinese Longitudinal Healthy Longevity Survey ( CLHLS) cross-section data from 2011 to 2012, and by using the method of propensity score matching, this paper tries to evaluate the effect of social medical insurance on the elderly health.The study? discovers that the implementation of social medical insurance has promoted the level of elderly health, but at a very low degree and not comprehensive. Social medical insurance significantly improves cognitive function of the elderly, but has no obvious effect on their daily activity ability and self-reported health.The gap between the anticipated goal and the actual effect still exists.Based on the above findings, the paper puts forward policy suggestions such as expanding the cov-erage of social medical insurance, upgrading the insurance level and strengthening the welfare character of medical insurance.%利用中国老年健康影响因素追踪调查（CLHLS）2011－2012年的截面数据，文章使用倾向得分匹配方法实证评估社会医疗保险对老年人健康的影响。研究发现，社会医疗保险的实施确实有利于促进老年人健康水平的提升，但同时存在促进程度较低且不全面等问题。社会医疗保险显著改善了老年人的认知功能，但对老年人日常活动能力和自评健康没有明显的改善作用，社会医疗保险的实际效果与预期目标之间仍存在一定差距。在评估结果的基础上，提出扩大社会医疗保险保障范围、保障水平和强化福利性等政策建议。