Professor Zhang Qilin, deputy director of the Social Security Research Center of Wuhan University, and Liu Shiai, a doctoral candidate, published a paper entitled "Analysis of the Effect of Medical Insurance in Alleviating the Medical Burden of Middle-aged and Elderly Families" in the fourth issue of Jianghan Academic in 2020.

【author】Liu Shiai,Zhang Qilin

【Published journals】《江汉学术》

【Journal level】CSSCI(extended)

【Publication time】2020(04)

【Abstract】Based on the 2015 CHARLS microdata, this paper empirically analyzes the effect of medical insurance on the absolute and relative medical burden of middle-aged and elderly families under the condition of controlling for sample selection bias. Medical insurance has a alleviation effect on the absolute medical burden of families, but has little effect on the relative medical burden. According to the type of insurance, medical insurance can reduce the absolute medical burden of urban and rural residents' medical insurance families and the relative medical burden of urban workers' medical insurance families, and the conclusions of the robustness test are basically the same. Accordingly, this paper puts forward the policy suggestions of adopting classified management measures to reduce the medical burden of middle-aged and elderly families, narrowing the treatment gap between urban employees' medical insurance and urban and rural residents' medical insurance through financial subsidies, and finally realizing the integration of the two systems.

【Keywords】medical insurance; home medicine; Aging; medical burden; medical risks; Medical compensation

【Funds】National Social Science Foundation of China, "Research on the Collaborative Governance Path of the Elderly in Western Rural Areas Returning to Poverty Due to Illness from the Perspective of Health Poverty Alleviation" (18BSH047); The Key Research Base of Humanities and Social Sciences of the Ministry of Education, "Research and Reform of China's Social Assistance System" (15JJD630009).