摘要
利用国务院城镇居民基本医疗保险抽样调查数据,采用Logit模型考察家庭成员的城镇职工基本医疗保险状态对城镇居民基本医疗保险参保决策的影响,来验证城镇居民基本医疗保险参保决策中可能存在的"搭便车动机"。实证分析表明,家庭中城镇职工基本医疗保险的参保成员对其他无保险成员参加城镇居民医疗保险项目具有明显的抑制作用,并且这种抑制效应对身体健康、收入较低、男性群体影响较大。
This paper,based on the State Council＇s sampling survey on Urban Resident Basic Medical Insurance, tested free-tiding behaviors of the uninsured individuals by examining the impact of Urban Employee Basic Medical Insurance （UEBMI） enrollment status of family members on other family members＇ willingness to participate in Ur- ban Resident Basic Medical Insurance （URBMI） through applying the Logit model. It confirmed that there was a significant crowd-out effect of UEBMI status on URBMI participation. The impact was greater among the male, the poorer and the healthier.
出处
《保险研究》
CSSCI
北大核心
2012年第7期111-120,共10页
Insurance Studies
基金
西南财经大学"211工程"三期建设项目资助
